Have you received a notice stating that you need an SR-22 filing when you buy an auto insurance policy? These notices are given out by the state’s Department of Motor Vehicles after drivers commit serious traffic violations. Some things that lead to the need for cheap SR22 insurance Illinois are:
- DUI
- Reckless driving
- Being in an accident with no insurance
- Being caught without insurance multiple times
- Driving on a suspended license
- Excessive speeding tickets
- Failure to pay traffic fines
Read on to learn more about the SR-22 filing and its requirements.
Getting an SR-22
In theory, SR-22 filings are painless. It’s easy to get a filing added to a current or new auto insurance policy, and all agents know how to do them. However, if you need an SR-22, you’re considered a risk, and you’ll pay more for coverage. In some cases, your company may drop you, and you’ll get higher quotes when you shop for a new policy. When looking for cheap SR22 insurance in Illinois, improve your credit, raise your deductible, and ask your agent for advice.
How Long Do I Have to Keep an SR-22?
The length of time you’ll have to carry an SR-22 depends on the violation triggering the filing requirement. Check the paperwork or ask the DMV for the exact timeframe. Once the filing is no longer needed, notify your insurer right away. Getting it removed isn’t that difficult, but once you do, you may be eligible for a lower rate.
Keeping your cheap SR22 insurance in Illinois active is important; failing to do so will put your driving privileges at risk. Car insurance is one of your highest-priority bills, and the cost to reinstate it is high.
