Auto insurance are usually divided into three different categories: standard, non-standard and preferred auto insurance. Average drivers fall into the standard auto insurance. While high-risk drivers are placed in the non-standard category. And lastly, preferred auto insurance are for drivers who are considered to be unlikely to file a auto insurance benefit claim.
“Get your car protected from the unexpected.”
Different Types of Non-Standard Auto Insurance
As mentioned earlier, non-standard auto insurance are given to drivers who show the highest likelihood of getting into an accident. Thus, these drivers are more likely to file an auto insurance benefit claim compared to the standard and preferred customers. As a result, these drivers are the ones paying the most for the insurance services.
Companies that Offer Non-Standard Auto Insurance:
- GEICO
- Gainsco
- Safe Auto
- Direct General
- Alliance United
- United Automobile
- Acceptance Auto Insurance
SR22 Auto Insurance
SR22 is not a type of auto insurance, it is a form that your chosen insurance company has to file to prove that your car is properly insured. It also involves notifying the appropriate government department about your auto insurance plan.
Cancellations and renewals will also be notified to the government to keep them updated. The reason for this is because the government requires a filing to make sure that your auto insurance is in a good condition.
Types of Violations that Leads to SR22 Filing:
- Drunk driving
- Reckless driving
- Driving without insurance
- Injuring or harming someone in an accident that you caused
Finding an Auto Insurance Company Most auto insurance company offers SR22 insurance to their customers. However, some companies may turn you down because they prefer not to provide such insurance. The key here is to look for auto insurance companies that specialize in high-risk drivers, or in other words drivers who show the highest likelihood of getting into an accident.
Filing a SR22 Insurance
The procedures for filing a SR22 insurance is not as complicated as most people think. All you have to do is to look for an insurance personnel and he/she will take care of the rest. You can also make your selection through online. However, personally dealing with the insurance company would make the overall proceedings quicker.
Expenses of Reckless Driving Decisions
Filing a SR22 insurance as your insurance policy for your newly purchased car can be quite expensive. The prevalent reason for this is because of the likeliness that the driver will get into an accident sooner or later during the insurance term. It is not costly because of the state filing fee.
Multiple traffic violations, issues with the current insurance agency, or DUI may lead a person to a high-risk auto insurance rates.
Every state varies in its filing fees. But usually, it costs at least $25 in addition to your current auto insurance coverage. Moreover, the payment for the fee usually occurs at the time you file the policy.
In Conclusion
In a world full of uncertainties, the last thing you’d like to happen is to have your car uninsured, especially if you’re the type of driver who’s considered to be a high-risk driver. SR22 auto insurance is a state filing that requires high-risk drivers to have their car insured and safe. Availing SR22 auto insurance will massively help you in the long run.