SR22 filing

SR22 Filing
SR22 filing is very easy to do and thats because after you fill out the proper forms that the Insurance company has you fill out. The insurance companies will do the SR22 filing for you and then in about a month you will receive the paper work that you will need to carry with you just like your insurance card.

Why would someone even need to do SR22 Filing?
Well there are several reasons.
1. DUI or DWI
2. Some states make you have it for unpaid parking tickets.
3. If you have gotten caught driving without Insurance.
4. Excessive amount of moving violations in one year.

As you can see there are many ways why you might need to do SR22 Filing. However it is easy and fast and as long as you pay your bills and don't let it expire you will be fine.

How long will you need to keep doing SR22 filling?
Well that depends on each individual case but in most cases it last about 3 years sometimes shorter sometimes longer but in most cases you will only have to do SR22 Filing for 3.

What is SR22 filling?
Basically SR22 insurance is a proof certificate that is filed by an insurance company with the Department of Motor Vehicles upon insured request. SR22 filings are usually filed for up to three consecutive years.

The purpose of an SR22 filing is to monitor and ensure that a driver maintains auto insurance coverage for a period of up to three years. If a driver is required to file an SR22, he or she must have their insurance company file the SR22 with the Department of Motor Vehicles as evidence that the driver has an active insurance policy in force. If the insured does not pay the premiums required to keep their auto insurance policy active, the insurance company will cancel the insurance policy and in turn, will cancel the SR22 filing with the DMV by filing an SR26.

SR22 Filing and the economy !
With today's very bad economy everyone is hurting and since you have this added expense you might want to know of a few ways that you could save money. In Fact you might be able to save as much as what your SR22 Filing cost.

1. The first thing you should do is add your regular car insurance to you SR22 filing by combining these 2 policies you can save money.

2. Get your quote and sign up for your insurance online. By doing this you will be cutting out the middle man. This means your not paying the commission that you normally would pay when you get your insurance through a insurance agent.

3. If you are married make sure your policies are combined, because together you will get a better deal on a joint account.

4. Raise your deductible if you can go from a $100 to a $500 deductible you could save at least 10%but if you can raise your deductible to $1,000 that will save you as much as 25% . Now you may not think you can afford that well I think you can and here is how you do it. First open up a savings account and use it just for your insurance deductible and start making payments to yourself until you reach your desired deductible limit and then leave that account alone and just let it grow. Over time it can grow to a point to be a rainy day fund or maybe a vacation but always leave your deductible amount in the account and your always covered. Even after your SR22 filing is over.