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there is NO rate factor for needing an SR-22 (except maybe a $20 - $50 fee to issue it). Dan
DMV and insurance are like oil and water man.
That's true with most companies, but not all of them. some companies will drop a driver down to a lower rating tier just for the simple fact of needing an SR22.
But other than that nit picky point, your advice is spot on.
I have seen a few occasions where it made sense for a driver to carry a separate non-owners policy just to satisfy the SR22 requirement. but it is very rare.
the only time I've seen it come out beneficial is when the driver had insurance already, had it bundled with homeowners, and was still flying under the radar (meaning the current auto insurer hadn't yet discovered the DUI).
other than that, it's almost always better to just have one policy.
That's true with most companies, but not all of them. some companies will drop a driver down to a lower rating tier just for the simple fact of needing an SR22.
But other than that nit picky point, your advice is spot on.
I have seen a few occasions where it made sense for a driver to carry a separate non-owners policy just to satisfy the SR22 requirement. but it is very rare.
the only time I've seen it come out beneficial is when the driver had insurance already, had it bundled with homeowners, and was still flying under the radar (meaning the current auto insurer hadn't yet discovered the DUI).
other than that, it's almost always better to just have one policy.
Here's my thoughts. I don't own a car and im eligible for reinstatement if i get my sr22. My plan is to buy a car, get a policy for 1 year, then get sr22 from another company after I have my first policy so they won't raise my rates/drop me till the next year. thoughts?
Wouldn't it have made more sense to not endanger the lives of innocent people.....by not driving drunk?
You sound like you think you're a victim. You're lucky there weren't any!