Non-Owner SR-22 Insurance

Auto insurance is a mandatory requirement in every state, and proof of this insurance must be available when requested by a police officer, at the scene of an accident, when you register your vehicle, and if you need your vehicle to undergo an inspection.

But what are the consequences of being caught driving without a license or having your license suspended for certain traffic violations such as driving without insurance or being convicted of a DUI?  If this happens, then you are in need of an SR-22 filing. Simply stated, this is a form that must be filled out and filed in the above cases in order to be able to obtain insurance, registration, and get your license back. Usually, a SR-22 must be carried for three years, however, depending on the reason for being issued the SR-22, a driver may have to hold one for as long as 20 years or even for their entire life. This usually happens if the driver is suspended for multiple DWIs.

There are a few types of SR-22s available, and yes, there is even one if you do not actually own a car but still have access to driving one. This is called the non-owner SR-22, and it is designed to provide the minimum required state liability insurance. Obtaining this will allow you to drive again, but take heed as it doesn’t cover every vehicle. Make sure that the vehicles you are permitted to drive are clearly defined. The automobile insurance premiums are based on a variety of factors including age, gender, marital status, driving record, etc. Adding the SR-22 to these rates can prove to be costly for high risk drivers, so you want to ensure that you adapt safe driving habits at all times. However, there are still ways to find cheap non-owner Sr-22 insurance.

Not all insurance companies offer SR-22 insurance. Rather than waste your time travelling from office to office or making multiple phones calls that can eat away a majority of the day, your best course of action is to search online for an affordable non owner policy. Online you will have access to many different SR-22 insurance companies so that you will be able to find the most affordable non-owner SR-22 insurance possible.