Driving under the influence (DUI), reckless driving, driving without insurance and getting several citations within a short period of time are among the traffic violations that trigger the Department of Public Safety to require you to file for an SR22.
The amount of time that an SR-22 is maintained is usually controlled by the state and failure to abide with the specified duration of keeping your SR22 will lead you to a license suspension.
The SR22 certificate is normally kept for a minimum of 2 years. To ensure that this is strictly followed by a convicted motorist, the state maintains an active line of communication with your insurance provider.
Any motorist can choose from the following options when complying for the policy requirements. First, you can still have your vehicle covered under a regular auto insurance policy and file for an SR22 as an attachment to the latter.
Depending on the type and age of your vehicle, you may opt to avail for a liability-only or full coverage. Second option is to apply for a non-owner SR-22 policy. This policy is ideal to those motorists who are operating a vehicle that they do not own. It also applies to the non-Texas residents who have already incurred traffic violations in Texas.
With the second option, you can still take care of your license problem without getting in touch with your current auto insurance provider. This is more advantageous than the first one and is more adapted by many motorists because of its discreet manner of filing.
But whatever is the condition, filing for your SR 22 form online is the quickest and fastest way to do it. You only have to fill up a simple online request form and you will be on your way to get back on the road the same day you get your licensed suspended.
Tips for lower SR22 Insurance Rates
- You should consider raising your policy deductible limits to a higher amount
- Can you clean up your past driving record, most insurance companies will review it to determine your ability to pay an higher premium
- Can you take defensive driving
- Combine other insurance coverage like home and auto together with the same company