I live in Birmingham, Alabama, and I need to purchase something called an SR22 insurance policy. I have done some  research and have found that this type of insurance is very expensive. Why does SR-22 insurance cost so much?

Alabama SR-22 insurance is typically more expensive than traditional liability insurance because drivers that are required to carry this type of coverage are considered “high risk” drivers.  The cost of your auto insurance premium is determined by the amount of risk you pose to the insurance company.  If you have been convicted of a DUI, filed multiple auto insurance claims, received numerous traffic
tickets, been caught driving without insurance, or require an SR-22 filing, you are considered a higher risk to insure and will consequently face higher car insurance premiums.

There are a few things you can do to help reduce the cost of your auto insurance.  Going forward, make sure you maintain   continuous auto insurance coverage. Any lapse in coverage throws up a red flag to the insurance company and can cause your premium to rise.  If you have trouble remembering to pay your insurance on time, it might help to set up a monthly draft payment so you are   never late.  Also, avoid getting speeding or other traffic tickets and avoid filing unnecessary insurance claims.  The safer driver you are, the less you will pay for insurance.

Unfortunately the reality of the situation is that if you are considered a high risk driver you are going to pay more for your auto insurance. However, it is good that you have already spent some time doing some research.  The more time you spend comparing auto insurance companies and requesting free quotes, the more likely you are to find SR-22 insurance at an affordable rate.

Alabama SR-22 Insurance Quotes

I am thinking about leasing a vehicle. Will I be required to pay for auto insurance even though I don’t technically own the vehicle?

Yes, the company that leases you the car will require that you carry both liability as well as full coverage auto insurance. “Full coverage” insurance consists of Comprehensive and Collision coverage. Since you are driving the vehicle during the leasing period, you are expected to maintain insurance coverage for the length of the lease. Your leasing agreement should state the minimum insurance requirements, and you will have to send in proof of insurance. If you let your car insurance policy lapse for any reason, and the leasing company finds out, they can take the vehicle away from you or take out their own policy on the car and send you the bill. The insurance bill they send will always be more expensive that what you would pay yourself, so it’s a good idea to avoid that situation.

Before you go lease the vehicle, you should compare a few auto insurance quotes online to get a ballpark idea of how much insurance is going to cost you. I always recommend that drivers compare quotes from at least 3 different insurance providers in order to find the best rate.

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I am a college student. What kind of grades do I need to qualify for a discount? How much will a good student discount save me on my car insurance?

Normally auto insurance companies require that 1 of these criteria is met in order to qualify for the good student discount:

1) B average or better

2) 3.0 GPA

3) Honor roll or dean’s list

These are just a few of the different grade requirements and could vary from company to company. If you want to see if you qualify you should fill out a quote from a few different companies. Normally, most students see a savings of 10-15% with the student discount. Again, this varies from company to company, so you might want to do a bit of research to see who offers you the best discount.

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I am trying to find a new car insurance policy. Do I have to tell the insurance company if I got a ticket?

Yes, you have to tell the car insurance company about any tickets you have received or accidents that you have been in. The insurance company will check your driving record in order to determine your car insurance rates, so they will usually be able to see if you have any negative items on your record. Even if your ticket does not show up on your driving record, you should still tell the insurance company. It is never a good idea to lie to an insurance company to try to get a cheaper rate. If the insurance company finds out later that you lied, they could raise your rates or just cancel your car insurance policy.

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I am a 17 year old boy and I just got my driver’s license. My parents say that auto insurance is too expensive and won’t add me to their policy. Can I get my own insurance policy at 17?

You will probably not be able to get your own car insurance policy at the age of 17 because in most states you have to be 18 in order to sign a contract. Since you are a minor, you cannot enter in to any form of agreement or contract such as an insurance policy, car loan, or cell phone plan. Even if you could get your own policy, it would be very expensive and almost impossible for you to afford by yourself. You are much better off getting on to your parent’s insurance policy because it will be cheaper. If you really want to drive, you could offer to get a job and help your parents pay for part of your car insurance, and maybe they would be more willing to add you to their policy.

Teen insurance is usually pretty expensive because young drivers lack experience and are considered high risk drivers. Also, make sure you ask the insurance company if you qualify for the good student discount (B average or better). That can definitely help lower your rates.

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If I miss my Progressive auto insurance payment, how long do I have before it is considered late or my policy is cancelled?

That just depends on your car insurance provider and which state you live in. Some auto insurance companies might give you a grace period before they cancel your policy and some will cancel your policy as soon as you miss a payment. Some states have laws that require insurance companies to give you a grace period between your payment due date and cancellation date or require that insurance company to send you a cancellation notice within so many days of a missed payment. The notice of cancellation usually gives you a certain amount of days to pay your bill before your policy is cancelled.

If you realize that you have missed your auto insurance payment, you need to contact your insurance company as soon as possible. If they have not already cancelled your policy, you need to make a payment immediately to avoid having your policy terminated. If your policy has already been cancelled, you need to see what you can do to have it reinstated. You might want to consider setting up an automatic bank draft payment to avoid missing payments in the future.

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My son is about to turn 16. How much will my car insurance premium increase by adding a teen driver to my policy?

There isn’t one set amount that your auto insurance premium will increase when adding a teen driver to your policy. It really depends on a number of different factors like which insurance company you use, what type of vehicle they will be driving, where you live, etc. Every insurance company is different. Some might increase your rates dramatically while others will only raise your rates slightly. Either way, you should be prepared for your auto insurance rates to increase anywhere from 50-200%.

Auto insurance for teens is never cheap, so you need to make sure you do everything you can to make your rates more affordable. First, don’t let your teen drive an expensive, luxury car or a sports car. That will make your rates outrageous. Stick with a car that is 5-7 years old with good safety features. Also, if your son has a B average or better in school he should qualify for the good student discount. You might also want to get quotes from a few other insurance companies to see if you could find a cheaper rate for your teen driver somewhere else.

Cheap Teen Auto Insurance

I live in Michigan and I need to get SR 22 insurance so I can get my driver’s license reinstated. I am not sure where to begin my search. Are there some SR-22 insurance companies that are cheaper than others?

Yes, there are definitely some Michigan SR22 insurance providers that are much cheaper than others, and there are some companies that are much more expensive than all the rest. SR22 insurance rates can vary greatly among companies and can also depend on factors such as your driving record, age, marital status, location, make and model of vehicle, etc. Some insurance companies are more critical of high risk drivers and charge them higher rates, and some companies are more lenient. It’s really different for everyone.

Because of the large difference in SR22 insurance costs, it is very important that you compare SR22 quotes from at least 3-5 different insurance companies before deciding who to get your SR-22 filing with. The more research you do the better chance you will have at finding the cheapest SR22 insurance rate possible.

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What are some special discounts that auto insurance companies offer that can help save me money?

Every auto insurance company has different discounts that they offer to qualified drivers. You don’t always have to have a perfect driving record to qualify for them either. Here is a list of some auto insurance discounts that might help lower your insurance premium:

1) Hybrid Vehicle Discount – Go green and save!

2) Military Discount – available to active duty and retired veterans

3) Multi Car Discount – insurance companies will offer you more of a discount the more vehicles you insure with them

4) Renewal Discount – available to long term customers who choose to renew their policy

5) Good Driver Discount – Usually available for drivers that have been accident free for 5 or more years.

6) Defensive Driving Discount – complete a defensive driving course and save on your auto insurance

Not every discount is available in every state, so make sure you ask your auto insurance company about which ones you can qualify for.

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I was convicted of a DUI in the state of Georgia, and my driver’s license has been suspended. Do I have to file for SR22 insurance? Can I just drive without it? Will the state find out?

Unfortunately you do have to file for Georgia SR22 insurance if you want to get your driver’s license reinstated. Georgia requires that a driver carry SR22 insurance for a period of 3 years after being convicted of a DUI, so there isn’t really any way to get around it. You can drive without SR22 insurance, but you will be driving illegally because you don’t have a valid driver’s license. The state will find out if you are pulled over, and if this happens you will be in a whole lot of trouble. Not only will you be driving on a suspended license, you will be driving without proper insurance coverage. You could risk going to jail, paying some serious fines, and having your license suspended longer or even revoked.

If you are worried about the cost of Georgia SR22 insurance, don’t let that stop you from getting the proper SR22 filing to get your driver’s license reinstated. With a little bit of research, you should be able to find an insurance provider that will offer you an affordable rate. Make sure you compare quotes from at least 3-5 different companies.

Cheap Georgia SR22 Insurance