If you have a checkered driving history, you may be forced by law to carry SR-22 insurance. It states that you carry the minimally required form of insurance as mandated by your state. If you're getting this form of insurance for the first time, keep these money-saving tips in mind.
Probably the easiest and most surefire way of getting the best deal on an SR-22 insurance policy is simply shopping around. Different providers of this insurance will charge differently, and that gives you the perfect opportunity to compare rates in order to save some money.
What you can do is go online and visit each provider's website. There should be an insurance calculator that you can access to find out how much you would have to pay for SR-22 insurance. As long as you enter in the right information, you'll be able to get quotes within seconds. Comparing rates and finding a great deal is that easy.
Drive More Carefully
While you have SR-22 insurance, it is paramount that you drive as safely as possible. Otherwise, your rates will go up if you're involved in a crash or get a ticket of some kind. That's a lot more pressure on your shoulders, but there are several tactics that can help you out.
The first is simply going the speed limit. When you drive at the appropriate speed, you can better control your vehicle and avoid unnecessary tickets. It also pays to be more attentive on the road. Keep music to a low volume and drive with both hands on the wheel. Also avoid using your cell phone at all costs.
Keep Driving Activities to a Minimum
The more times you drive, the more likely you are to get in an accident. Providers of SR-22 insurance know this, so they will keep rates higher if you drive a lot. It is thus worth considering not driving as much.
This way you won't be seen as that great of a risk because you keep your driving activities to a minimum. You can then save money on an SR-22 policy with select insurance providers.
Just because you have to get SR-22 insurance because your driving history isn't the best, it doesn't mean you have to spend a fortune on it. There are plenty of ways to save. You just have to be proactive and utilize the right techniques in the beginning.