So, you got yourself into an unpleasant situation where you need to find cheap SR22 insurance in Illinois, and it’s probably a safe bet to assume that whatever got you into the situation was a costly one. Before taking to the Illinois streets or shopping online for SR22 insurance quotes, it’s a good idea to understand what SR22 insurance is exactly.
If you’re in search for cheap SR22 insurance in Illinois or Indiana, you’ve come to the right place. Insured ASAP Insurance Agency provides cheap sr22 insurance quotes in minutes – Whether online or by phone!
SR22 Insurance in Illinois
An SR22 is proof of financial responsibility. You may also hear it called SR22 insurance, Certificate of Financial Responsibility or CFR. The SR22 policy was created to make it challenging for drivers considered high-risk to operate a vehicle without insurance.
Remember, it’s the law to carry liability insurance when driving a vehicle.
The Office of the Secretary of State uses the SR22 insurance certificate for Illinois residents to verify they have the state-required insurance. Illinois’ Financial Responsibility law requires every driver to maintain liability limits of at least:
- $25,000 Bodily Injury per Person
- $25,000 Bodily Injury per Person
- $20,000 Property Damage
It is a requirement to provide proof of liability insurance, in the form of an auto insurance identification card, to the police during a traffic stop.
Once you are required to file an SR22, you will have to keep an SR22 insurance policy for three years. If you have to file, the filing period starts when you are first eligible for a restricted driver’s license. Drivers with their first offense and are over 21; you will be eligible for a Judicial Driving Permit beginning the first day of the second month of suspension.
Drivers may be considered high-risk if any of the following scenarios apply:
- They have been found driving without valid insurance
- They have been caught driving without a license or with an expired suspended or revoked license
- They have been caught driving while under the influence of drugs or alcohol
- They have been operating a vehicle with an expired license plates
Where to Find Cheap SR22 in Illinois
With so many insurance companies doing business in Illinois, it can be difficult trying to determine which of those companies provide SR22 insurance filing. Then, once you narrow down your list and find a handful of insurance companies near you that do issue SR22 certificates, you will be looking at the most affordable option.
The best way to shop for SR22 insurance in Illinois is to contact an insurance agency that works with insurance carriers that provide cheap SR22 insurance in Illinois. These agencies do the “shopping” for you, and propose the best available insurance policy to you.
Insured ASAP Will Help You Find Cheap SR22 Insurance in Illinois
Remember, keeping a clean driving record, paying your bills on time, and the type of car that you drive can affect your insurance rates. If you are considered a problem driver, your rates may be higher than others on the road. But by working with top-rated insurance carriers, we can shop your policy to find the highest quality coverage at the lowest rates possible.
If you are looking for SR22 insurance in Illinois, don’t wait, call us today. The sooner you get your SR22, the quicker you can get your driver’s license reinstated and back on the road worry-free, well almost worry-free. All those drivers that text while behind the wheel are terrifying.