How to Get SR22 Insurance in Illinois

For you to get SR22 insurance in Illinois is really a pretty straightforward process, but it may take you some time to locate a company that provides it since not every auto insurance company does.

We'll take some time and cover the information about the purpose behind SR22 insurance, how to get it and where to get mulitple quotes for SR22 Insurance for Illinois residents.

As you're likely aware, SR22 Insurance as it's referred to, is in a cagegory of very high risk all by itself. Often it's prompted by being cancelled from existing coverage for numerous accident claims, a high risk driving pattern or in many cases...being convicted of driving while intoxicated.

As I mentioned, SR22 Insurance isn't issued by all insurance companys. The issue is that not all companies are willing to take on the risk associated with insuring drivers at this level. It's imperative that you ideally shop online for multiple quotes to find the companies that offer the coverage and give you the best rate possible and unlike conventional coverage, there aren't alot of ways to save.

If I could put it simply, this is really more about finding it and getting it versus saving on the cost!

In case you didn't know, SR22 coverage is named for the actual form used in ILL by the Department of Motor Vehicles for these situations.

The process involved is:

1) Getting the form from your Dept. of Motor Vehicles.
2) Get it filled out by the insurance company that you locate coverage from and
3) Having the insurance company submit it back to the State DMV.

SR22 does two things:

1. It proves to the state that you have the minimum coverage required in your state to drive.

2. It lifts the driving suspension order which was applied by the court at the time of your conviction.

Unfortunately, if you've had multiple convictions, your license may be suspended and even SR22 may not be an option at this point.

In most States including Illinois, you're going to have to carry the SR22 Insurance with a clean driving record for 1 to 2 years. The DWI itself will stay on a persons driving record for 10 years. Additionally, as people find out, they may have to pay fines, do community time and take additional driving courses that are state authorized.

If you want to do yourself a few favors in this process and try to minimize the cost somewhat, consider the following:

1. Driving a late model car of little insurable value.

2. Living in an area that has a low theft or vandalism rate.

3. Drive fewer miles.

4. Increase your deductibles.

5. Maintain a spotless driving record for this point forward.

6. Make sure you spend the time to get multiple quotes.

7. Have someone else drive you until the reinstatement occurs.

Look, make the best of a bad situation by playing it smart. You're risky habits or risky driving got you here in the first place. It's time to take you're driving record seriously if you haven't in the past.

On the last point, when you begin your quote search for SR22 Insurance in Illinois, make sure no only get multiple quotes, but that you quote the same types of coverage, coverage levels and the same deductible every time. If you have additional questions, look up the Illinois Dept. of Insurance website. All insurance in the U.S. is regulated at the State level.