SR-22 Insurance in Ontario CA

Serving Rancho Cucamonga, Fontana, & Pomona CA

 

Driving is dangerous, particularly here in southern California, which is home to some of the largest and most congested freeways in the nation. That’s why everyone must follow the rules of the road, and if they don’t, then they will likely face significant penalties. One of these might be an SR-22 requirement, and an SR-22 penalty might significantly impact your ability to get affordable car insurance. 

If you have an SR-22 requirement, then you should not have to worry about how you will keep and maintain car insurance. For reassurance, all you have to do is come to Direct 2 U Insurance. We offer personalized car insurance solutions for all drivers, including SR-22 recipients. You can rely on us to help you always meet all your auto insurance obligations. 

To get your plan today, just contact us: 

• Call us at 1 (800) 373–0708 
• Get an SR-22 Insurance Quote Online
  
  

What Is SR-22 Insurance? 

There is no specific auto insurance policy called an SR-22 policy. There are SR-22 certificates, and drivers who carry them might only qualify for certain auto policies. The SR-22 is just a form that verifies that a driver in question has active car insurance. 

SR-22s guarantee the state that high-risk drivers always have car insurance. Drivers who might have to get SR-22 certificates include those convicted of: 

• DUI/DWI offenses 
• Driving without insurance  
• Causing serious accidents
• Being a habitual traffic offender 

Drivers who commit offenses like these are huge safety risks, not only to themselves but also to others. Therefore, the SR-22 is used to enforce these drivers’ requirements to get car insurance. After all, car insurance could prove vital in helping traffic offenders pick up the pieces of their mistakes. They therefore need it more than most.

How Does An SR-22 Work? 

If you commit a significant driving offense, then the authorities might require you to file for an SR-22. Drivers who have received license suspensions will likely have to file for an SR-22 before they can return to driving. 
To get your SR-22, you will have to reach out to your auto insurance agent. They can ensure that your policy will allow you to attach an SR-22 to it. If so, they can help you complete your enrollment and then file the certificate with the appropriate agency. If your policy does not support an SR-22, then your agent can help you find another plan that will. 

You can think of the SR-22 as being supported by your car insurance. Once you have the SR-22 certificate, you will have to keep active car insurance. If you ever let your policy lapse, then the state will be notified. They can then impose further penalties on you because of your failure to carry insurance, which was a clear violation of the law. 

How Long Will I Need An SR-22? 

SR-22 terms vary, but most of the time you will have to keep an SR-22 active for approximately two to three years. Once the SR-22 penalty period ends you can drop it from your car insurance. However, you do not have the right to drop your car insurance altogether. 

How Much Do SR-22s Cost? 

SR-22 certificates might only cost a nominal fee to file. However, by receiving this penalty, you are very likely to see your car insurance premiums increase. 

SR-22s are clear proof that a driver is a high risk to insure. Therefore, many insurance companies will increase rates on those who have received SR-22s. However, there are still other discounts that SR-22 recipients might qualify for, and after your penalty period ends your rates might drop once again. Therefore, you should not consider a rate hike due to an SR-22 a permanent or unmanageable event.