If you’ve been at fault in multiple automotive accidents, or have been convicted of a DUI or OWI, you may be in a situation where you’re unable to legally drive or get insurance without filing an SR22. An SR22 is a form filed with the state acknowledging that the driver is at high risk of getting into accidents.
The SR22 itself is quite cheap, usually only around $25. However, the real expenses come when a driver in this situation has to find insurance. Once an SR22 is on record, insurance becomes quite expensive.
So how can you find the cheapest SR22 in Ohio for insurance? Here are a few things to know.
What To Know About Getting SR22 Insurance In Ohio
1.Your premiums will go up
Sorry about the bad news, but this one is simply unavoidable. Someone with an SR22 on file will not be able to get insurance as cheaply as someone with a good driving record. Premiums could potentially be 5x as high as those for a person with a clean record, or even higher.
2.Your overall record still matters
Everyone makes mistakes, and some mistakes are worse than others. Insurance companies will still take your overall situation into consideration. For example, a person who has received a DUI but has never been in a serious accident will probably not be seen as being as risky as someone who has been in multiple accidents.
There are plenty of operations offering the cheapest SR22 in Ohio, although not all can live up to that claim. You should spend time doing your research, shopping around, and contacting SR22 insurance providers to get quotes. You might even be able to use low quotes as a bargaining tool to get other insurance companies to lower their rates.
It never hurts to try.
Even if you have an SR22, it’s a good idea to do everything you can to keep your driving record from getting worse. Premiums will only go up, as incidents on record increase.
Also, an SR22 will usually go away after a while. In most cases, an SR22 will expire after three years, if the driver maintains a good record during those years. Of course, more incidents will only extend the length of time the SR22 is required.
Get the Cheapest SR22 Coverage in Ohio
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