BECAUSE WE ARE BROKERS, WE CAN HELP YOU GET THE BEST RATE FOR YOUR PERSONAL INSURANCE NEEDS.IF YOU NEED TWO OR MORE PERSONAL POLICIES, WE CAN HELP YOU SAVE MONEY BY BUNDLING YOUR POLICIES TOGETHER WITH A SINGLE COMPANY.
We have a lot of experience helping people get their SR-22 Filing and transitioning them to standard insurance when they no longer need it. We recommend that you know as much as you can about what your SR-22 Filing means. The article below, from the Progressive Lifelanes website, provides an excellent explanation of what an SR-22 Filing is and how it affects you. We represent Progressive as well as other major insurance companies. We are equipped to help you get the best rate with your SR-22 Filing and to help you when your SR-22 Filing is no longer needed.
Every person is unique – contact us today to find out how to get the best price and value on your SR-22 Filing.
Cordell Insurance Agency: Your Insurance Ninjas!
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After taking to the roads as a licensed driver, it took mere months to get my first speeding ticket. I remember well the sinking feeling as I anticipated the impact of the ticket and my parents’ reactions. It turned out that the latter was worse than the former … and neither were all that bad. The thing is, few things in life are really permanent. And just like my speeding ticket, an SR-22 likely won’t have lasting effects, either.
Here’s what to know and expect while you have one.
1. It’s not really insurance
While many refer to “SR-22 insurance,” an SR-22 is actually just a certificate your car insurer files with your state to vouch for you. Basically, it verifies you have coverage. You only need an SR-22 if a judge says you do—this can happen after certain violations, or after a succession of them.
If you’re required to carry an SR-22 and you already have insurance, you’ll just need to add it to your policy. If you’re not insured, you’ll quote an auto policy and an SR-22.
2. It’s not (too) expensive
Having an SR-22 filing might cost you a little extra (again, temporarily):
There’s a fee to file it, generally around $25. If you don’t have insurance, the fee is included in your Progressive quote.
Your insurance rate might go up if you need the SR-22 because of a moving violation or accident.
Certain states require you to pay in full when you have insurance that includes an SR-22 filing.
3. It’s not forever
In three years—give or take, depending on your state—you won’t need your SR-22. At that point, call your insurer and ask to have the filing removed from your policy. Three years is also how long it takes, generally, to clear your driving record. So, any violations that triggered your needing an SR-22 have cleared from your record, too. In the meantime, keep your head up, know we’ve all been there, and remember that, in time, this will become “that one time when …” (just like my ticket did)."
Let us help make sure you’re covered when you hit the trail – talk to us today to find out how to get the best price and value on the motorcycle and motorsports insurance that’s right for you.
Cordell Insurance Agency - Your Insurance Ninjas
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