Benton County SR-22 Insurance [FAQ]
Get Your License Back! Owner & Non-Owner SR22
Start Driving Again Fast in Benton County. Let Mid-Columbia Take Care of Your SR22 Insurance Coverage
If you’re informed that you require an SR 22 would you have any idea what to do? Breathe easy, SR 22 insurance is our specialty. Mid-Columbia Insurance can take care of filing the SR-22 in Benton County for you. Let us be your insurance finders.
If you are facing a DUI or other significant tickets then getting SR22 insurance coverage is more than likely your next action to getting your license back and having the ability to drive your vehicle legally. Mid-Columbia Insurance serves Benton County and all of none and is the general SR22 insurance expert. We can write a Progressive SR 22, National General SR-22, Dairyland SR22, Kemper SR22, Safeco SR 22, The General SR22, and more for you.
SR22 insurance can be costly so it is very important that you can get the coverage you require at a cost you can handle. We specialize in representing the progressive insurers that offer the best prices for SR 22 insurance in Washington .
Concerned about who to trust? Take a look at our excellent Google Reviews. Can 1300+ people be wrong? When you’re ready to get your SR 22 car insurance coverage, contact us for a fast and free SR-22 insurance quote.
Suspended License? Best Rates Washington State SR-22. Get Your Drivers License Back Now!
Most of us need to drive in order to get to work, to run errands, and to do all that other stuff in life.
If you have lost your license due to a DUI or some driving mishap there are a variety of things you will need to do to get your license back. One of them is to get an SR 22 with the DOL.
Everything you need to understand about SR-22 insurance in Benton County.
- What is an SR 22?
- Is an SR 22 considered car insurance?
- I Don’t Own a Car – Can I Get an SR-22?
- How to Get SR22 Insurance?
- Where Can I Find Cheap SR22 Insurance?
- Does SR22 Increase Insurance Rates?
- Can My Current Agent File My SR22?
- How Much Does SR22 Insurance Cost in Washington?
- How Long Do I Need to Carry My SR 22?
- What Happens If I Cancel My SR-22 Insurance?
- How Can I Get the Lowest SR22 Insurance Rates?
- Can I Get An SR22 Without Having Car Insurance?
What is SR 22 Insurance?
Sometimes an SR22 is also called a certificate of financial responsibility (CFR) filing. Having an SR-22 form on file simply means you are meeting the state’s minimum auto insurance coverage requirements.
If you let your SR-22 insurance go unpaid, your insurance company is required to alert the state with a SR-26 form and if you go for a time without the SR22, you may have to pay the state to reinstate your license once you get a new SR 22.
Is an SR 22 the same as automobile insurance?
An SR-22 is evidence you have automobile insurance. Sort of like the Proof of Insurance Card you would show to a cop if you were pulled over but the SR22 is submitted to the Department of Licensing (DOL).
Having an SR 22 is just evidence you are fulfilling the state’s minimum automobile insurance requirements and is just an addition to your auto insurance policy. Your insurance provider is certifying to the state that you have liability insurance in force with them and they pledge to inform the state if your insurance cancels.
I Don’t Own a Cars or Truck– Can I Still Get an SR22?
Yes, you can get an SR 22 even if you do not own a car. If the Department of Licensing (DOL) requires you carry an SR 22 to reinstate your license, we can assist even if you do not own an automobile.
You can get what is called a Broad Form Insurance plan, or more commonly “Drivers License Insurance”.
A BroadForm plan covers you when you are driving almost any car, owned or non-owned.
There are downsides to insuring your license. Make certain to talk to one of our experienced insurance agents when making this crucial choice.
For more information about Broad Form insurance, check out our Broad Form insurance/ Drivers License Insurance page.
How do I Get SR 22 Insurance?
To get an SR22, you can request for your insurance agent to add it to your existing automobile policy or you can begin a new policy with the SR 22. Getting an SR 22 doesn’t have to be a hassle– Mid-Columbia Insurance is the SR-22 specialist– we can step you through the entire process!
You can call us at (509)249-1188, visit one of our offices, or begin the process online completing the quote request. The earlier you acquire your policy, the sooner we can help you get your license back.
You might spend all day searching the web but it is unlikely that you will find less expensive SR22 coverage and you will never ever find customer care that can beat what we will do for you.
Where Can I Get Affordable SR-22 Insurance Coverage?
Affordable SR22 insurance near Benton County is most often found at an independent insurance agency like Mid-Columbia Insurance because we represent numerous companies that compete for your business. The General, Geico, and Progressive invest millions promoting on television trying to convince you that they can save you cash by buying insurance online only to let you down.
As an independent insurance agent, we work for you, comparing a whole list of vehicle insurance companies to find for you the very best SR 22 insurance rates in Benton County.
The majority of other insurance agencies, who we call AllStateFarmers, represent simply their one insurance company and only have one rate to offer.
We work for you, comparing the rates and coverages of numerous auto insurance companies and giving you a choice.
Can My Present Insurance Agent File My SR 22?
Your current company should be able to attach an SR 22 to your insurance plan yet this might trigger problems for you. Numerous insurers consider themselves “preferred” and so do not wish to cover people who need an SR 22. They might jack up your rates substantially or perhaps terminate your policy at renewal when they learn you require an SR22.
Can I obtain an SR-22 from a different insurance company?
Yes, you can have a different insurance provider file your SR22 with the state and not notify your present insurance provider. If they do not check your driving record, and unless you had a crash they possibly won’t, you may be able to keep your preferred car insurance policy rates.
If you do not want to tell your present insurance coverage representative about your need for an SR22, Mid-Columbia Insurance can offer a standard insurance policy on your ‘s license (called Broad Form) with the SR 22 so you can keep your existing “preferred” insurance policy on your automobiles as well as have an SR-22 on your license.
How Much Is SR 22 Insurance Coverage in Benton County?
The average price of SR22 insurance coverage ought to be less than $5 monthly when added to a typical vehicle insurance plan since most insurance companies just charge about $25 per 6 month policy term for an SR-22 filing. This is simply the cost the insurance company includes to manage the documentation required by the state to notify them that you have an active SR22 insurance filing. If your company charges more, you might want to get a new quote and Mid-Columbia Insurance is more than happy to help!
Why, then, does SR 22 insurance appear so pricey? An SR22 is simply a rider on your normal auto insurance. If it is expensive, it is because the vehicle insurance rate is based upon your real driving record. Did you get a ticket for driving under the influence? Numerous traffic tickets? Involved in a wreck? Been without insurance coverage? Undoubtedly something occurred to cause you to require the SR22 and this is what causes your insurance coverage to be higher than others.
So, Just how much does SR22 insurance coverage cost? SR22 insurance coverage is cheap. It is your driving record that is costly.
How Long Am I Required to Have My SR22?
Usually you have to have an SR-22 for 3 years yet it can be more or less depending upon the judge and also your situation.
The very best way to learn how long you will really need to carry an SR-22 is to call the DOL directly at 360-902-3900 and ask.
What Happens If I Ever Terminate My SR 22 Insurance Policy?
If, while required, your SR22 insurance cancels while an SR 22 is still mandated, the state will certainly re-suspend your driver’s license till you get an SR22 submitted once again and you might need to pay the reinstatement charges again to get your license back.
When your SR22 terminates, the insurance company is required to file an SR-26 with the DOL to notify them that you no longer have active insurance.
If you are pulled over by the cops while your SR-22 is out of force, you probably will receive a ticket for driving while suspended, which will certainly jack up the price on your insurance policy even more.
How Can I Get The Cheapest SR 22 Insurance Rates?
The lowest SR22 insurance rates can be found by reviewing rates of a number of insurance companies that focus on SR 22 insurance. The most convenient method to do that is to just call us. We represent multiple insurance companies that offer SR22 insurance coverage– and also we write a great deal of it.
If you reside in Washington and need to get your license reinstated, we can help. The SR 22s are submitted online with the Department of Licensing (DOL) so you can have your driver’s license back quick.
If you reside in Washington you most likely received your ticket here and so need a Washington SR 22 yet, if you need an out-of-state SR22, we can also do Oregon SR22s, California SR 22s, Idaho SR-22, as well as practically any other state.
Can I Obtain An SR 22 Without Having Car Insurance?
If you don’t have auto insurance coverage, you can obtain an SR-22 by beginning a new insurance plan and asking the insurer to file the SR-22 for you.
Washington state only mandates minimal liability limits on the policy so it does not need to be costly to get started. Certainly, the more tickets you have collected, the more your insurance will cost you.
A simple telephone call and we can have your insurance policy set up and your SR22 on its way to the state.
Does SR-22 Hike Insurance Prices?
Yes, an SR-22 raises your insurance rates since many name-brand insurance companies don’t want to insure a driver that needs an SR22 as well as due to the tickets you most likely have on your motor vehicle history.
The actual SR22 filing will just add around $25 to your auto insurance policy, yet you will most likely have to get insurance with a “High Risk” car insurance company ready to take a chance on insuring you.
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About Benton County
Benton County is a county in the south-central portion of the U.S. state of Washington. As of the 2010 census, its population was 175,177. The county seat is Prosser, and its largest city is Kennewick. The Columbia River demarcates the county’s north, south, and east boundaries.
Benton County was created from what were then larger versions of Klickitat County and Yakima County on March 8, 1905. and was named after U.S. Senator from Missouri (1821–51) and later U.S. Representative (1853–55) Thomas Hart Benton.
According to the U.S. Census Bureau, the county has a total area of 1,760 square miles (4,600 km2), of which 1,700 square miles (4,400 km2) is land and 60 square miles (160 km2) (3.4%) is water. The highest point of land elevation within the county is the summit of Rattlesnake Mountain at 3,527 feet; and the lowest point of land elevation is along the southwestern shore of Crow Butte at 265 feet (fluctuates due to level of Columbia River).
Source: Benton County, Washington in Wikipedia