Car insurance is a legal necessity in Illinois. Insurance underwriters charge drivers different prices based on a range of factors. Some are required to have a special kind of policy called SR22 insurance in Bridgeview. This short guide will help you understand the basics of SR22 auto insurance policies.
What Is SR22 Insurance?
Despite what others may tell you, SR22 insurance in Bridgeview is not a type of insurance policy. Rather, it’s a legal filing required by Illinois for certain drivers. You can’t file this document on your own. Only insurance companies can legally file for SR22 certificates, also known as proof of financial responsibility.
Why Are Certain People Required to File an SR22?
Most drivers aren’t required by the Secretary of State of Illinois to file for SR22s. Courts may require Illinois residents to obtain SR22 certificates for a number of reasons. You may have been caught driving without insurance before, involved in a number of traffic infractions, or failed to pay another driver’s damages in an accident you caused.
Being required to file an SR22 certificate isn’t a bad thing. Put simply, SR22 filings are required to hold people accountable.
How Can You Get Cheaper SR22 Insurance?
You’ll pay more for insurance policies with SR22 filings than those without them. To reduce your insurance costs, consider raising your deductible to reduce premiums, shopping around with multiple insurance providers and asking for discounts.
Cover your vehicle with affordable SR22 insurance in Bridgeview by contacting Accurate Auto Insurance online.