Kennewick WA SR-22 Insurance | Best Quotes
What is SR-22 Insurance?
An SR-22 is a certificate of financial responsibility required by the Washington State Department of Licensing (DOL) for drivers who have had their license suspended due to certain violations or offenses. The SR-22 form proves that you carry the minimum liability insurance required by the state, which includes:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $10,000 property damage
The SR-22 is not a separate insurance policy, but rather an endorsement or rider attached to your auto insurance policy. Your insurance company files the SR-22 certificate electronically with the DOL on your behalf.
Who Needs SR-22 Insurance in Kennewick, WA?
You may be required to obtain SR-22 insurance in Kennewick, WA, if you have:
- Been convicted of a DUI or DWI
- Been cited for reckless driving
- Been caught driving without insurance
- Been at fault in a serious accident
- Had your license suspended or revoked
The length of time you need to maintain SR-22 coverage varies depending on the offense and the court’s decision, but it is typically three years.
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Types of SR-22 Filings in Washington State
There are three main types of SR-22 filings in Washington state:
- Owner SR-22: This filing is required if you own a vehicle and need to provide proof of insurance to reinstate your license.
- Non-Owner SR-22: If you don’t own a vehicle but still need to drive, a non-owner SR-22 policy covers you when operating a borrowed or rented car.
- Operator SR-22: This filing is less common and applies to individuals who drive a vehicle for work purposes, such as delivery drivers or chauffeurs.
How to Get SR-22 Insurance in Kennewick, WA
At Mid-Columbia Insurance, we make the process of obtaining SR-22 coverage simple and stress-free. Here’s how it works:
- Contact us: Call our office or request a quote online to get started.
- Provide information: We’ll ask for details about your driving record, vehicle, and coverage needs.
- Compare quotes: Our experienced agents will shop around to find the best SR-22 insurance quotes from multiple providers.
- Choose a policy: We’ll help you select the policy that offers the right balance of coverage and affordability.
- Electronic filing: Once you’ve chosen a policy, we’ll file your SR-22 certificate electronically with the DOL, so you can get back on the road quickly.
As a local, independent agency, we pride ourselves on providing personalized service and expert guidance throughout the entire process. We’re here to answer your questions, address your concerns, and ensure you have the coverage you need to comply with Washington state law.
Cost of SR-22 Insurance in Kennewick, WA
The cost of SR-22 insurance in Kennewick, WA, depends on several factors, including:
- Your driving record and the specific offense that led to the SR-22 requirement
- Your age, gender, and marital status
- The type of vehicle you drive
- Your credit score (in some cases)
On average, drivers with an SR-22 requirement can expect to pay 50-300% more for auto insurance compared to drivers with a clean record. However, at Mid-Columbia Insurance, we work hard to find the most competitive rates for our clients.
In addition to the increased premiums, there is also a one-time SR-22 filing fee, which ranges from $15 to $50, depending on the insurance company.
Consequences of Lapsed SR-22 Coverage
It’s crucial to maintain continuous SR-22 coverage for the required period, typically three years. If you let your policy lapse or cancel, your insurance company is legally obligated to notify the DOL, which can result in severe consequences, such as:
- License suspension or revocation
- Reinstatement fees and fines
- Difficulty obtaining insurance in the future
- Longer SR-22 filing period
To avoid these penalties, make sure to renew your SR-22 policy on time and keep up with your premium payments.
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Consequences of Lapsed SR-22 Coverage
It’s crucial to maintain continuous SR-22 coverage for the required period, typically three years. If you let your policy lapse or cancel, your insurance company is legally obligated to notify the DOL, which can result in severe consequences, such as:
- License suspension or revocation
- Reinstatement fees and fines
- Difficulty obtaining insurance in the future
- Longer SR-22 filing period
To avoid these penalties, make sure to renew your SR-22 policy on time and keep up with your premium payments.
Benefits of Choosing Mid-Columbia Insurance for SR-22 Coverage
As a trusted independent insurance agency in Kennewick, WA, Mid-Columbia Insurance offers numerous benefits for drivers seeking SR-22 coverage:
- Multiple insurer options: We work with several top-rated insurance companies, ensuring you have access to a wide range of coverage options and competitive rates.
- Personalized service: Our knowledgeable agents take the time to understand your unique situation and provide customized recommendations based on your needs and budget.
- Convenient location: Our office is conveniently located in Kennewick, making it easy for you to meet with us in person if needed.
- Online quotes: If you prefer, you can request a quote online, and we’ll promptly provide you with the information you need.
- Bilingual agents: We have Spanish-speaking agents available to assist our clients who prefer to communicate in their native language.
By choosing Mid-Columbia Insurance for your SR-22 needs, you can enjoy peace of mind knowing that you’re working with a reputable, experienced agency dedicated to helping you navigate the complex world of high-risk auto insurance.
Additional SR-22 Considerations
When obtaining SR-22 insurance in Kennewick, WA, there are a few additional points to keep in mind:
- Non-owner policies: If you don’t own a vehicle but need to drive, a non-owner SR-22 policy can provide liability coverage when you borrow a car although a Broadform policy is better coverage.
- Broad form coverage: This type of policy covers you as a driver, regardless of the vehicle you operate, owned or borrowed, and can be a good option if you frequently borrow the same car or drive vehicles belonging to family members.
- Multiple vehicles: If you own more than one vehicle, you need to make sure your SR-22 covers you for each one.
- Out-of-state filings: If you move to another state during your SR-22 filing period, you will need to make sure to continue carrying an SR-22 in the state you received the violation.
At Mid-Columbia Insurance, our experienced agents can help you navigate these complexities and ensure you have the appropriate coverage for your unique circumstances.
Get Started with SR-22 Insurance in Kennewick, WA, Today
If you need SR-22 insurance in Kennewick, WA, don’t wait – contact Mid-Columbia Insurance today to get started. Our dedicated team is here to help you every step of the way, from comparing quotes to filing your SR-22 certificate with the DOL.
With our extensive industry knowledge, personalized service, and commitment to finding the best coverage at the most competitive rates, you can trust Mid-Columbia Insurance to be your partner in getting back on the road legally and responsibly.
Call us at (509)783-5600, visit our office, or click “Get a Quote” to request a quote online to begin the process of obtaining SR-22 insurance in Kennewick, WA. We look forward to serving you and helping you move forward with confidence.
The insurance you want — At a price you can afford.