SR-22-compliant Auto Insurance in Manteca, CA
SR-22 insurance is not a type of insurance policy but rather a certificate of financial responsibility required by the state of California for certain high-risk drivers. Your insurance company files this certificate with the Department of Motor Vehicles (DMV) to prove that you carry the minimum required auto insurance coverage. Drivers may be required to obtain an SR-22 for various reasons, including DUI convictions, multiple traffic violations or driving without insurance.
SR-22 is typically required for a specified period, often three years, during which you must maintain continuous coverage. Any lapse in your insurance policy can result in the suspension of your driving privileges.
Securing SR-22-compliant Auto Insurance
Obtaining SR-22-compliant auto insurance involves a few key steps. First, you must find an insurance provider offering SR-22 filing services. Not all insurance companies provide this service, so it is essential to research and select a provider that can meet your needs. Once you have chosen an insurer, you will need to purchase an auto insurance policy that meets the state’s minimum liability requirements.
After securing the appropriate coverage, your insurance company will file the SR-22 certificate with the DMV on your behalf. This filing process ensures that the state is aware of your compliance with the insurance requirements. Maintaining your policy and avoiding any lapses in coverage during the mandated period is important. Failure to do so can result in severe penalties, including suspending your driver’s license.
Auto Insurance Costs
The cost of SR-22-compliant auto insurance can be higher than standard policies due to the increased risk associated with high-risk drivers. However, there are ways to manage these costs. Maintaining a clean driving record, completing defensive driving courses and exploring discounts offered by your insurance provider can help reduce your premiums over time.
Your agent can provide personalized advice and assistance throughout the process, ensuring you meet all state requirements and maintain continuous coverage.
Contact Us
Contact ServiPronto Insurance Services for an SR-22-compliant auto insurance quote.