What To Know About SR-22 Insurance

SR-22 or a financial responsibility insurance plan is a big deal for those who need them. While the state or government will often tell you through the mail that you need to obtain one, it is good to know what they are and why you need it and what to do to avoid it.

If you find yourself searching “SR22 insurance near me“, odds are you recently got into some auto-related trouble. The most common events which lead to needing an SR-22 form include receiving a DUI or DWI, getting involved in a serious car accident, getting caught driving without insurance and having a suspended or revoked license.

Most states will only require you to have a SR-22 form for three years which is good considering you do not want this on your record for an extended period of time and you want to get things back to normal for yourself.

SR-22 is generally low cost, only requiring you to pay a fee often around $25 initially for the form. But the problem is that it will often affect your auto insurance rates later on in life, most likely raising them.

If you get notified you need an SR-22 insurance policy, do not hesitate or wait. Delaying the process can cost you thousands of dollars and even potential jail time. There are many options of where you can obtain an SR-22 form but it is important to try and avoid needing one all together.

Avoiding the need for getting an SR-22 form or financial responsibly insurance plan is simple. SR 22 forms are for those who come off as high risk drivers or have recently gotten into some auto trouble.

The easiest way to avoid having to get one of these is to not drink and drive and not drive recklessly. The best way to handle an SR-22 is to avoid them all together, as they will cause you stress and financial burden. Driving safely and smart, not drinking and driving, taking care and paying attention to everything on the roads is the best way to make sure you never find yourself in the position to need an SR 22 form.

If you do find yourself in this position however, there are many options where you can find cheap and complete SR22 insurance forms.

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What is SR-22 Insurance And Why Do You Need It?

SR-22 or a financial responsibility insurance plan is a big deal for those who need them. While the state or government will often tell you through the mail that you need to obtain one, it is good to know what they are, why you need it and what you can do to avoid it.

What Is SR-22: An SR-22 is a form of insurance and gives proof of insurance which you may be required to get to show that you are financially responsible and have the right forms of insurance in order to properly drive a vehicle. SR-22’s are generally for high risk drivers, such as those who have been caught driving without insurance or those who have been caught drinking and driving and received a DUI. You may need to have an SR-22 plan for three to sometimes five years depending on what happened.

Why You Need It: You’ll need an SR-22 if you get caught without insurance after a crash, if you have various traffic violations or after getting caught with a DUI. It is important because an SR22 form allows you to be able to drive again, allowing you to get back on the roads and be covered. Often times you will lose your license and cannot get it back before providing this proof of insurance. A financial responsibly or SR22 proves that you’re covered and responsible and capable of being back on the roads.

How To Avoid It: This is a no-brainer, SR-22 or financial responsibly insurance plans are for those who come off as high risk drivers. The easiest way to avoid having to get one of these is to not drink and drive and not drive recklessly. The easiest way to handle an SR-22 is to avoid them all together, as they will cause you stress and financial burden. The best way to avoid them is by driving safely and smart, taking care and paying attention to everything on the roads.

If you get notified you need an SR-22 insurance policy in Illinois, do not hesitate or wait. Delaying the process can cost you thousands or more dollars and even jail time. There are many options of where you can obtain an SR-22 form but it is important to try and avoid needing one all together.

The best advice for those who need an SR-22 form, especially those because of a DUI, is to shop elsewhere for this policy. It is possible to get an SR-22 from a different insurance provider rather than the one you currently use in order to protect yourself. This will save you money in the long run, as your current insurance provider may not increase your premiums since they won’t be technically notified unless you do so yourself.

There are many great options for an SR-22 insurance form, one of the quickest and cheapest in the Chicago area is Cheap SR-22 Chicago.Cheap SR-22 Chicago will work with you and get you the coverage and proof of insurance you need immediately. If you need to get a financial responsibility or mandatory SR22 form, do not hesitate,Cheap SR-22 Chicago will take care of you.

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Drive Sober This Holiday Season

Christmas and the holiday season are a great time to get together with friends and family and enjoy each other’s company. There is so much going on, from shopping, cooking and parties. With all the running around people often forget to take care of themselves and think about what’s in their best interest.

The National Highway Traffic Safety Administration reports that there is an increase in the amount of DUIs and drunk driving related injuries and deaths during the holiday season. In December 2016, 781 people were killed in auto accidents as a result from drunk driving.

To combat this and bring more attention to the fight against drunk driving, NTHSA has scheduled to begin their “Drive Sober or Get Pulled Over” drunk driving prevention campaign from Dec. 13 through 31. They will be on major highways and roads near cities on the look out.

If you do choose to enjoy a drink this holiday season, please be smart. There are certain ways to avoid these fatal accidents and they are simple.

For starters, plan ahead. If you know you are going to a holiday party and will be drinking, get yourself a designated driver either at the party or someone who will pick you up and drop you off. There is no sense in risking your life and the life of others because you do not want to find a ride.

Another option is to use the many available ride share services. The major leaders in this new way of transportation are Uber and Lyft. These ride share services are easy to use, respond quickly and are usually cheaper than a taxi cab company. You can order them right from your smart phone.

If you are the host of the party, you are also responsible for your guests and their actions. You need to be a good host and keep everyone safe. Don’t let your friend drive after they have been drinking. Not only are you putting their life in danger, you would be legally responsible as well.

There are many ways to prevent drinking and driving this holiday season. It is never okay to drive drunk and you might cost someone else their life. Be smart this holiday season, don’t drink and drive.

Its easy to spot a drunk driver, contact local law enforcement if you notice someone driving recklessly or sloppy on the roads. If you find yourself in this situation and get caught, you will need help. More than likely you will need to obtain an SR-22 or Financial Responsibly insurance plan. These plans will give you the proof you need so you can legally drive again and be protected.

Cheap Sr-22 Chicago is a Chicagoland auto and sr-22 insurance company serving families throughout Illinois with all and any of their insurance needs including an SR-22 certificate. Cheap Sr-22 Chicago is open all throughout the holiday season and will be here to help.

DUI, Crashes More Common During Holidays

History repeats itself and this is something to take note of during the holiday season. On top of driving hazards in the winter such as black ice, snow storms and sleet, history has shown that more DUI crashes and arrests occur compared to the rest of the year.

The holiday season is a fun and exciting time but it doesn’t allow for driving under the influence at any time. Driving in the winter is already a challenge and people shouldn’t have to worry about other drivers driving poorly due to the influence of alcohol or other drugs.

Thankfully, law enforcement and representatives have taken note of these trends and have begun doing more and more traffic stops throughout the holiday season. Hoping to avoid this mess before they even start.

While in recent years, DUI arrests have been down due to efforts from people working against it day and night. Unfortunately they still happen. And worse, the effects of driving under the influence often affect other people not just those driving. Such as a crash killing an innocent person driving home from work or even while getting something to eat late at night.

People have also begun to advertise against texting while driving, saying that it is becoming more dangerous than drunk driving. This may be true but both amounts to serious risks, especially in the winter time when road conditions are not great.

If you decide to drink, do not drive. If your car is with you, leave it for the night and try to get someone to pick you up or use one of the many ride sharing apps available today such as Uber or Lyft. There is no reason you should drink and drive.

If you find yourself in this position, a SR-22 insurance certificate can help you after. These plans tend to signal troubled drivers but are a necessity if you find yourself with a DUI. There are many great SR-22 or financial responsibility insurance plans available. Cheap SR22 Chicago is an Illinois insurance company which has an honest and dedicated team. Cheap SR22 Chicago is open all throughout the holiday season and can help you with any insurance needs, including obtaining an SR-22 for a DUI.

Can I Reduce the Amount of Time I am Required to Carry SR-22 Insurance?

If you recently received an SR-22 certificate from your insurance company, you probably already know that the state requires drivers to carry their certificate for at least three years. Unless, you were convicted of DUI, in which case it is closer to five years. Working with the state of Illinois can be hard in cases like this. They seem to be not very lenient with drivers who have had their licenses suspended.

While it is highly unlikely that the state would allow you to cancel your SR-22 insurance policy early, it is not impossible. In certain cases, the state will waive your SR-22 financial responsibility, but it takes a lot of work on your end. First off, you have to have an immaculate driving record during the time you were carrying the SR-22 certificate. That means no parking tickets, traffic violations, or speeding tickets. Then, you have to schedule a time to appear before the judge that ordered you to get an SR-22 certificate. If that judge feels that you are no longer a high-risk driver, they will give you permission to cancel your SR-22 insurance policy.

 

How Much Coverage is Required in an SR-22 Insurance Policy?

If your license was suspended and reinstated by the state of Illinois, you are probably required to obtain an SR22 certificate. You can file SR 22 easily through your insurance company, assuming is a service that they provide. At this point, you are probably not sure exactly what an SR-22 certificate actually is.

In the most basic terms, SR22 is auto insurance for “troubled drivers,” or drivers who recently had their licenses suspended. So, if SR 22 is simply car insurance, then what does it cover? Well, like auto insurance, there are different types of coverage packed into each policy. In the case of Illinois SR-22 insurance, the following coverage is provided: Bodily Injury, Uninsured Motorist, and Property Damage. With all of these types of coverage combined, your insurance company will help cover the cost of medical bills and repairs for damages to a vehicle. Each aspect of the SR22 insurance policy is limited to about $25,000. That means that if you get into an accident that causes $30,000 worth of damage, you will be responsible for paying $5,000 out of pocket.

Here is One Way to Avoid SR-22 Financial Responsibility

The process of filing for SR22 can be stressful and time-consuming. But, when a judge requires you to obtain an SR 22 certificate in order for you to be able to drive legally again, you don’t really have a choice. Right? Well actually, in some states, including Illinois, it is possible to get away with not filing for SR-22 Insurance. But, it is not easy.

If you want to skip the SR22 financial responsibility process, there is only one way to do it. You need to pay your way out. The real reason people are required to obtain SR 22 certificates in the first place is to prove, through financial means, that they are no longer a liability on the road. So, like an insurance policy, you pay premiums every month to do so. As an alternative, you could simply pay the Illinois State Treasury $55,000 in cash and they would accept it as proof that you are financially responsible. Then, obtaining an SR-22 would no longer be necessary. So, if you have $55,000 set aside, you can skip the whole SR22 insurance system and be back on the road with no problems. Most of us, however, don’t have that kind of money to spend all at once.

At Cheap SR-22 Chicago, we will set you up with the quickest and cheapest SR22 insurance in or around the city of Chicago. Cheap SR-22 Chicago specializes in providing low-cost, same-day SR 22 certificates for drivers that need them. 

What are the Filing Terms for SR-22 Insurance?

If you were recently told by a judge that you must obtain SR-22 insurance before being able to legally drive again, then you might be wondering how to proceed from here. Well, the first thing you should do is go to your insurance company and speak with your agent. An insurance broker should be able to answer any questions you have regarding your SR22 financial responsibility.

Once the suspension on your license is up, you will be eligible to obtain a restricted driver’s license. This is when the filing period for SR 22 insurance begins. The judge will give you your license back, but require that you obtain an SR-22 certificate before getting back on the road. You will need to go to your insurance company and have them file your SR22 insurance for you. This should not be very complicated or take a very long time. And, you will only have to file for SR 22 insurance once. However, you will have to renew the policy each year. It is highly recommended that you begin the renewal process, by simply calling your insurance agent, at least 12 days before the renewal date. This will give the DMV time to process your policy with the state. If you don’t do this, you are at risk of being caught with an expired SR-22 certificate, which could lead to a longer suspension on your license.

At Cheap SR-22 Chicago, we offer quick and cheap SR22 insurance filing. If you are in need of an affordable SR 22 certificateCheap SR-22 Chicago will produce one for you the same day you ask for it. 

What if My Insurance Company Doesn’t Offer SR-22 Insurance?

If you recently got your suspended license reinstated by the state of Illinois, then you are probably in need of SR-22 insurance. Typically, when a judge gives high-risk drivers their licenses back, it is contingent upon them obtaining an SR-22 certificate. If you do not abide by this rule, the consequences can be severe, including jail time and, of course, another period of suspension on your license.

So, your next step is to obtain SR-22 insurance. This can be done by going to your insurance company and having an agent add it to your auto insurance policy. However, many insurance companies in and around the city of Chicago do not offer SR-22 certificates. If this is the case with your current insurance company, then you need to switch to a company that does provide SR-22 insurance. The best advice is to cancel your current auto insurance policy and move to another company. This will save you money in the long run because the SR-22 will simply be added onto your auto insurance policy and increase your premiums instead of acting as its own policy.

At Cheap SR-22 Chicago, we provide cheap and quick SR-22 insurance. If you need to obtain an SR-22 certificate, Cheap SR-22 Chicago will produce one for you the day you walk into the office. 

How to Get an SR-22 Certificate

After being convicted of DUI, driving without insurance, or other traffic violations, a judge will most likely require you to obtain an SR22 certificate to reinstate your driver’s license. Once you have been told to do so, it is imperative that you do not drive until your SR 22 financial responsibility is obtained. If you drive without it, the consequences can be severe.

So, how do you obtain SR-22 insurance? Well, the good news is that it is very easy. All you have to do is go to your insurance company and tell them you need an SR22 certificate. They will take care of it for you and have you back on the road in no time. In fact, many insurance companies in Illinois can provide SR 22 insurance the same day you request it. The bad news is, it costs money. Your insurance agent will add SR-22 financial responsibility to your auto insurance policy, which will cause the monthly premiums to rise.

At Cheap SR-22 Chicago, we deliver cheap, same-day SR22 insurance. If you need to get back on the road immediately, Cheap SR-22 Chicago, will produce a low-cost SR 22 certificate for you the same day you request it.

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What is a High-Risk Driver?

If you are required by the court to carry SR-22 insurance, then you are considered, by the state of Illinois, to be a high-risk driver. The SR-22 financial responsibility can be put upon you for a variety of different reasons. At the end of the day, it is the judge’s decision as to whether or not SR-22 insurance is necessary.

So what does the state of Illinois consider a high-risk driver? Well, there are a number of different offenses that can put you on such a list. One of the more serious ones is driving under the influence of alcohol or other drugs. You can also be considered high-risk for driving without insurance or committing a high number of traffic offenses in a short period of time. These offenses, however, do not lead to as severe a punishment as DUI. If you are convicted of DUI, your SR-22 certificate will most likely cost more money and also be required for a longer amount of time. The best advice is to be smart when you drive, obey the law, and always have insurance. Trying to cut corners can end up costing you a lot of time, money, and frustration.

At Cheap SR-22 Chicago, we provide cheap SR-22 insurance for drivers in or around the city of Chicago. If you recently became in need of one,Cheap SR-22 Chicago can set you up with a low-cost SR-22 certificate the same day you request it. You will be back on the road in no time!

 

Is an SR-22 From Another State Valid in Illinois?

If you have an SR22 certificate and just recently moved to Illinois, you might be wondering how that affects the status of your insurance. The best thing to do at this point is check in with your current insurer. They will tell you the necessary steps that need to be taken for the move.

Each state has a different system of requirements for filing SR 22 insurance. So, will your SR-22 be valid upon arrival to Illinois? Probably not. But it shouldn’t be too difficult to make all the changes so that it is updated with the standards of the state. It is important not to cancel your SR22 before transferring to the new state. This could lead to serious problems. Tell your insurance company that you are planning on moving to Illinois and they will tell you how to proceed with your SR 22. It should be as easy as a simple address change in the paperwork.

At Cheap SR-22 Chicago, we provide the best and most affordable SR-22 insurance in or around the city of Chicago. The Cheap SR-22 Chicago agents will set you up with an SR-22 certificate the very same day you request it.

 

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When Can You Cancel Your SR-22 Insurance?

If you are required to carry an SR22 certificate by the state of Illinois, then you have probably already heard the consequences of driving without one. Being pulled over by a cop without SR 22 insurance can result in immediate arrest, hefty fines, and even jail time. It is not something you want to risk bending the rules on. At this point, you might be wondering, “when can I cancel my SR-22 insurance policy?”

In general, people are required to carry an SR22 certificate for three years. But, it depends on why you have the SR 22 in the first place. If you were convicted for drunk driving, you will probably have to carry your SR-22 for more like five years. Mostly all the other violations, including driving without insurance, result in only a three year period where SR22 is required. If you cancel your SR 22 insurance before the required amount of time, the state will suspend your license, which means you will most likely have to file for SR22 again, and subsequently wait another three to five years. Talk with your insurance agent to make sure you know the exact date when it is OK to cancel your SR 22. Canceling it anytime beforehand will result in more financial trouble and inconvenience down the road.

AtCheap SR-22 Chicago, we offer low-cost, same-day SR-22 Insurance for drivers in or around the city of Chicago. If you are in need of an SR22 certificate, Cheap SR-22 Chicago agents can set you up with one the first time you enter the office.

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Things You Should Know About SR-22 Insurance

If you were recently required by the state to obtain an SR22 Certificate, you might be feeling stressed out right now. You might be worried about the process of getting one, the cost, and the lasting effects it will have. But, you shouldn’t worry too much. Before you get too stressed out, consider the following:

It is a common misconception that SR 22 is an insurance policy. Actually, it is not even insurance. It is just a certificate that will be provided to you by your auto insurer. You will not have to set up a separate policy with your agent. Instead, they will simply add the SR-22 to your current auto insurance policy.

The SR22 Certificate is not too much of a financial burden. There is a fee to file it, which is generally around $25. But, it is not going to cost you as much as you are currently paying for auto insurance. Instead, the cost of the SR-22 will just be added on top of your premiums.

The most important thing to remember about the SR 22 is that it is not permanent. Generally, you will have to carry it for 3 years, unless you were convicted of DUI, in which case it is 5 years.

At Cheap SR-22 Chicago, we provide low-cost, same-day SR 22 Insurance certificates. If you have any questions about our quick and easy SR22 insurance policies, the Cheap SR-22 Chicago agents are here to help. 

The Different Forms of SR22

The Illinois SR-22 is a critical certificate to have once you are required by a judge to carry one. Breaking this rule can result in arrest, jail time, and further loss of driving privileges. There are different forms of the SR 22 certificate. So, if you are somebody who is in need of one, take the time to make sure your insurer is setting you up with the correct certificate. Otherwise, a simple mistake can cost you a lot of time and money.

If you drive a vehicle that is not registered to you, then you need an Operator’s Certificate. For example, if you borrow your family member’s car to drive to work, then you need this type of SR22. There is also the Owner’s Certificate, which covers a car under your name. The last kind of SR-22 form is the Operator-owners Certificate, which covers both vehicles that are owned and not owned by you.

At Cheap SR-22 Chicago, we provide low-cost, same-day SR 22 Insurance certificates. If you have any questions about our quick and easy SR22 insurance policies, the Cheap SR-22 Chicago agents are here to help. 

Why Keeping Your SR22 Active is So Important

If you have been convicted of DUI, driving without insurance, or other traffic violations, then you already know what SR-22 insurance is. But, do you know how long before your policy expires? If not, then find out immediately. Forgetting to renew your SR 22 can cause many legal and financial troubles down the road.

If you are driving without an active SR22 insurance policy and are pulled over, the consequences can be severe. You are responsible for keeping your SR-22 active. So. whether you knew if it was expired or not, the police will arrest you on the spot and take you to jail. As for your car, the state will have it towed and impounded. For second time offenders, the state will go as far as selling your car.

There are certain requirements for renewing your SR 22 insurance. You cannot simply do it on the day it expires. In fact, if you do not renew the policy within 15 days of its expiration date, your insurance agency will notify the Secretary of State, which will lead to even more consequences.

Bottom line: follow the rules when it comes to SR22 Insurance. At Cheap SR-22 Chicago, we make the process easier by providing same-day SR-22 Insurance. If you have a question about our quick and easy SR-22 insurance policies, the Cheap SR-22 Chicago agents are here to help.

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