SR22 Auto Insurance

One of the most common misconceptions about SR22 auto insurance is that it costs more because of the courts. The belief is that because the coverage is typically part of your punishment the courts require it to cost more so you can feel the pain in your wallet or checking account. But that's not the case.

In fact, SR22 auto insurance doesn't have to be more expensive than regular car insurance. But it almost always will be. So if the courts aren't at fault, who is?

The answer is the underwriters working for the great state of Georgia's insurance companies. Underwrites have the job of comparing different factors about insurance applicants then determining how much they are likely to cost the company. Because insurance companies want to make a profit, they can't spend more on you unless you pay more.

People required by the courts to obtain SR22 auto insurance have done something illegal while driving: driving intoxicated, causing numerous accidents, getting caught without insurance, racking up traffic violations, etc. All of these activities are considered risky in the minds of the underwriters. That's why in almost all cases where this type of insurance is required the rates are going to go up.

Also, you should keep in mind that insurance companies can legally charge you a fee for submitting the SR22 auto insurance paperwork. That's on top of whatever you pay in premiums. These extra fees are usually less than $50 but may vary from insurance company to insurance company.

Not all insurance companies will provide the documentation you need to meet the requirements ordered by the courts. This is how some of them avoid insuring very high risk drivers. That means you could have trouble finding a good selection of insurance companies to work with without getting help from an auto insurance network. Instead of shopping around for companies that will offer you the coverage you need and completing an application for each, you can complete one application through the network and it can be sent to multiple providers on your behalf.

You can find SR22 auto insurance at the most affordable prices this way because you'll be able to review multiple quotes from at least a dozen companies in under an hour with only the completion of a single application. Plus you can more easily look at the quotes you receive since they will all be arriving around the same time. That means you can make a final decision faster and can start getting the coverage you need as soon as possible. Look for a network that deals with Georgia insurance to make sure you get the coverage you need.