When you have had your driving license revoked due to a DUI or any other driving related offense, you may be required to file for SR22 insurance. The question is how quickly do you need to do this and how will it affect you?
Knowing when to start the filing process
As soon as you are told you will need a certificate of financial responsibility, you will usually be given a date when it needs to be done by. Even if that date seems far away now, it is always better to file for it as soon as you can. This is because insurers can take a while to file the certificate. If you go past the date your license could be revoked. This means you would have to not only start the filing process all over again, but you’d also have to pay a fee to have the license reinstated.
Comparing different quotes
While you do need to file for SR22 insurance as early as possible, it is important to compare your options. You will find that the rates can be pretty high. If you want to avoid paying more than you have to then you will need to compare quotes from at least five insurers. This shouldn’t take more than a few hours.
Unfortunately in the case of SR22 insurance you do need to phone the insurer, rather than get a quote online. This means it takes slightly longer to get a quote. However, it is definitely worth taking a little time to do this for the amount of money it could save you.
Overall you should aim to enquire about a certificate of financial responsibility as soon as you are aware you need to. The earlier you file for one, the sooner you can get back on the road.