Cheap SR 22 Insurance in Illinois
If you’re looking for cheap SR-22 insurance in Illinois, you may not be sure where to start. Fortunately, our team at Insured ASAP is here to help you find the best coverage for the lowest price. We take all the guesswork out of shopping for SR-22 insurance, and we’ll help you find the right policy to fit your needs.
The first step is to request a free quote. Then, we’ll compare rates from multiple insurers to find the best price. Once we have your quote, we’ll help you choose a policy and start with your new insurance company.
We know that finding cheap SR-22 insurance can be a challenge. That’s why our team of experts is here to help. Call us today at (708) 233-4848, and let us help you find the right policy to suit your needs.
What Is SR-22 Insurance?
SR-22 insurance is liability insurance that helps high-risk motorists get back on the road after an accident or traffic infraction. It’s also sometimes called “high-risk insurance.” If you need SR-22 insurance, your state’s Department of Motor Vehicles (DMV) considers you a high-risk motorist.
How Does SR-22 Insurance Work in Illinois?
SR22 insurance is a type of high-risk insurance required by the state of Illinois if convicted of certain traffic violations. You could face severe penalties, including license suspension if you don’t have this type of insurance.
Learning how SR-22 coverage works is imperative before pursuing it. First, it’s essential to understand that this insurance is not the same as regular car insurance. It’s designed specifically for high-risk drivers who have a history of driving infractions.
Secondly, you must ensure you get a policy through a licensed company to administer SR 22 insurance in Illinois. Unfortunately, not all companies are licensed, and some may not provide the coverage you need to drive legally.
Thirdly, you need to make sure you compare rates from different companies before you buy a policy. Rates can vary significantly, so it’s essential to shop around.
Finally, you must understand your policy’s terms before buying it. The terms include
- the deductible
- the limit on how much coverage you need
- the length of the policy
If you’re required to have SR-22 insurance, your insurance company will file an SR-22 form with the DMV on your behalf. This form proves that you have the minimum amount of liability insurance required by your state.
Do I Need SR-22 Insurance in Illinois?
You may need SR-22 insurance in Illinois if you’ve been convicted of certain traffic violations. These violations can include the following:
- Reckless driving
- Any severe driving violation
- Involved in a vehicle accident with no insurance
- Leaving the scene of an accident
- Driving without insurance
- Repeat traffic offenses on your driving record
- Suspended or revoked license
In Illinois, SR-22 insurance is mandated by the courts for 36 months following the conviction of these offenses. If you are unsure if you need an SR-22 filing, you can contact the Illinois Secretary of State Drivers License Department at (888) 261-5238.
What Does SR-22 Insurance Cost in Illinois?
The cost of SR-22 insurance depends on a few factors, including your driving history, vehicle type, and state. In general, SR-22 insurance is more expensive than standard auto insurance. However, you are legally required to have it if your state deems you a high-risk motorist.
The good news is that you can get cheap SR 22 insurance through Insured ASAP.
Is There a Credit Check to Get SR-22 Insurance?
No, there is no credit check to get SR-22 insurance. Generally, your insurance company will not check your credit when you apply for this type of insurance.
What is a Financial Responsibility Certificate?
A “financial responsibility certificate” is another name for an SR-22 insurance policy. A financial responsiblity certificate proves to the state that you have the minimum amount of liability insurance required.
What Are the Benefits of SR-22 Insurance?
There are a few benefits of SR-22 insurance, even though it’s more expensive than standard insurance. Here’s a list of the main advantages:
Get Back on the Road Again
The main benefit of an SR-22 certificate is that it allows drivers who are high-risk to return to the road after an accident or infraction. In addition, if you have SR-22 insurance, it will be proof to the DMV that you have the minimum amount of liability insurance required by the state.
Find Peace of Mind
The next benefit is that it offers peace of mind. For example, if you’re a high-risk motorist, having SR-22 insurance means you’re protected in an accident.
Opportunities For Discounts
Lastly, some insurance companies offer discounts if you have SR-22 insurance for a specific amount of time. That period is usually two to three years. So, if you’re a high-risk motorist, it’s worth considering SR-22 insurance to get the discounts and peace of mind it offers.
Don’t Own a Vehicle? You May Need Non-Owner SR-22 Insurance
If you don’t own a vehicle but still need to carry SR-22 insurance, you may need non-owner SR-22 insurance. This type of insurance is for people who don’t own a vehicle or don’t drive the same car on a regular basis.
If you are required to have SR-22 insurance but do not own a car, you can purchase non-owner SR-22 insurance. Doing this will meet your state’s minimum liability requirements and allow you to get your license back.
In Illinois, non-owner insurance coverage is secondary protection if you cause an accident resulting in property damage or bodily injury. This insurance coverage will help pay for claims.
It’s important to note that in Illinois, any vehicle you operate MUST have auto insurance by the owner.
Non-owner SR-22 insurance is typically less expensive than standard SR-22 insurance because you’re not insuring a specific vehicle. However, the cost will still depend on your driving history.
If you need non-owner SR-22 insurance, Insured ASAP can help. We offer cheap non-owner SR-22 insurance in Illinois.
Find Cheap SR22 Car Insurance in Illinois Today!
If you have questions about SR 22 insurance, the best way to get answers is to contact Insured ASAP. We specialize in helping high-risk motorists get the coverage they need at an affordable price.
We can help you find the right policy and file the right SR-22 form on your behalf. So give us a call at (708) 233-4848 today to receive a free quote. These are some of the insurance options we offer in Illinois:
- Chicago SR-22 Insurance
- Aurora SR-22 Insurance
- Champaign SR-22 Insurance
- Springfield SR-22 Insurance
- SR-22 Insurance in Rockford, IL
- And more!
If you don’t see your city listed, don’t worry. We can still help you get the coverage you need. Contact our team of experts today for a 3-minute SR-22 insurance quote.
Start your SR-22 insurance coverage for as low as $37 down and as low as $22 per month.
Insured ASAP, and its vehicle insurance carriers will electronically file SR-22 to Illinois instantly. In addition, we can get your SR-22 certificate emailed to you within minutes for immediate coverage.
“Get SR-22 insurance in Illinois through Insured ASAP and be legal on the road again.”