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Lakewood SR22 Insurance [FAQ]
Get Your License Back! Owner & Non-Owner SR22

Return to the Road ASAP in Lakewood. Let Mid-Columbia Take Care of Your SR22 Insurance Coverage

If you are informed that you require an SR22 would you know what to do? Breathe easy, SR-22 insurance coverage is our specialty. Mid-Columbia Insurance can handle filing the SR-22 in Lakewood for you. Let us be your insurance coverage finders.

If you are dealing with a DUI or other major tickets then getting SR 22 insurance coverage is more than likely your next action to getting your license back and having the ability to drive your cars or truck legally. Mid-Columbia Insurance serves Lakewood and all of Pierce County and is the general SR22 insurance expert. We offer a Progressive SR-22, National General SR22, Dairyland SR-22, Kemper SR-22, Safeco SR22, The General SR 22, and more for you.

SR22 insurance coverage can be pricey so it is essential that you can get the protection you need at a rate you can pay for. We focus on representing the progressive insurers that provide the very best prices for SR-22 insurance in Washington .

Concerned about who to rely on? Take a look at our terrific Google Reviews. Can 1300+ people be wrong? When you’re ready to start your SR22 auto insurance, call us for a fast and free SR22 insurance quote.

SR22 insurance in Lakewood

Suspended License? Best Rates Washington SR22. Get Your License Back Fast!

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 incident there are a number of things you will be required to do to get your license back. Among them is to get an SR22 with the DOL.

All you care to understand about SR-22 insurance in Lakewood.

What is SR-22 Insurance?

An SR22 is required by the Department of Licensing (DOL) in order to get back your drivers license after getting a suspension or revocation for a DUI, a lot of tickets, and so on. An SR22 just certifies to the DOL that you carry the cars and truck insurance coverage they require.

Sometimes an SR22 is called a certificate of financial responsibility (CFR) filing. Having an SR-22 form on file just indicates you are meeting the state’s minimum car insurance coverage requirements.

If you let your SR22 insurance coverage cancel, your insurance provider is required to alert the state with a SR 26 form and if you go without the SR 22, you may need to pay a fine to reinstate your license once you get a new SR-22.

SR22 insurance Lakewood

Is an SR-22 the same as auto insurance?

An SR-22 is proof you have automobile insurance coverage. Similar to the Proof of Insurance Card you would present to law enforcement if you were pulled over but the SR-22 form is submitted to the Department of Licensing (DOL).

Having an SR-22 is simply evidence you are meeting the state’s minimum vehicle insurance requirements and is just an addition to your vehicle insurance policy. Your insurance provider is verifying to the state that you have liability insurance coverage in force with them and they guarantee to alert the state if your insurance coverage terminates.

I Don’t Own a Car– Can I Still Get an SR-22?

Yes, you can get an SR22 even if you do not have a vehicle. If the Department of Licensing (DOL) requires you carry an SR22 to resore your drivers license, we can assist even if you don’t own a vehicle.

You can get what is called a BroadForm Insurance policy, or more frequently “Drivers License Insurance”.

A Broad Form policy covers you when you are driving almost any car, owned or non-owned.

There are disadvantages to insuring your license. Be sure to speak to one of our knowledgeable insurance representatives when making this important choice.

For additional information about Broad Form insurance, take a look at our Broad Form insurance/ Drivers License Insurance page.

SR-22 insurance Lakewood

How to Get SR 22 Insurance?

To get an SR-22, you can request for your insurance agent to endorse it to your current automobile policy or you can start a new policy with the SR22. Getting an SR 22 doesn’t have to be a trouble– Mid-Columbia Insurance is the SR22 expert– we can step you through the whole process!

You can call us at (509)249-1188, come into one of our offices, or start the process online completing the quote request. The quicker you acquire your policy, the faster we can help you get your license back.

You could invest all your time searching the internet however it is not likely that you will find more affordable SR-22 coverage and you will never find client service that can surpass what we can do for you.

Where Can I Get Inexpensive SR-22 Insurance Coverage?

Cheap SR 22 insurance coverage in Lakewood is usually purchased at an independent insurance agency like Mid-Columbia Insurance since we represent multiple insurers that want your business. The General, Geico, and Progressive invest millions advertising on television attempting to influence you that they can save you cash by purchasing insurance direct just to disappoint.

As an independent insurance agent, we work for you, shopping a whole list of car and truck insurers to locate for you the best SR22 insurance rates in Lakewood.

The majority of other auto 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 protections of multiple auto insurers and giving you options.

SR 22 insurance Lakewood
SR-22 filing in Lakewood

Can My Existing Company File My SR22?

Your present insurance company can most likely add an SR 22 to your insurance plan but this may create issues for you. Several insurers consider themselves “preferred” and do not wish to insure people who need an SR22. They might jack up your rates substantially or even terminate your plan at renewal when they learn you need an SR-22.

 

Can I get an SR 22 from a different insurance provider?

Yes, you can have a different insurance agent file your SR22 with the state and not notify your current insurer. If they don’t check your driving history, and unless you had a crash they most likely will not, you may be able to keep your preferred auto insurance policy rates.

 

If you do not wish to inform your existing insurance representative about your requirement for an SR22, Mid-Columbia Insurance can write a simple insurance policy on your driver’s license (called Broad Form) with the SR 22 so you can maintain your current “preferred” insurance coverage on your cars and trucks as well as have an SR-22 on your license.

Just How Much Is SR22 Insurance in Lakewood?

The average cost of SR-22 insurance coverage should be less than $5 each month when included in an ordinary auto insurance plan since the majority of insurance companies only charge about $25 per 6 month policy term for an SR22 filing. This is just the cost the insurance company includes to manage the paperwork needed by the state to notify them that you have an SR22 filing. If your insurance company charges more, it is time to get a new quote and Mid-Columbia Insurance is more than happy to help!

Why, then, does SR 22 insurance appear so costly? An SR-22 is just a rider on your ordinary auto insurance policy. If it is pricey, it is due to the fact that the auto insurance rate is based upon your driving record. Did you get a ticket for driving under the influence? Multiple traffic tickets? Involved in a crash? Been without insurance? Clearly something took place to cause you to require the SR-22 and this is what causes your insurance coverage to be higher than others.

Just how much does SR22 insurance coverage run? SR22 insurance coverage is affordable. It is your driving record that is pricey.

SR 22 insurance Lakewood

How Long Am I Required to Carry An SR22?

Normally you need to have an SR 22 for 3 years yet it may possibly be more or less depending upon the judge as well as your situation.

The best way to discover how long you are going to need to carry an SR 22 is to call the Washington DOL directly and ask.

What Takes place If I Ever Cancel My SR-22 Insurance Coverage?

If, while mandated, your SR 22 insurance terminates while an SR22 is still needed, the state will suspend your drivers license until you get another SR22 filed again as well as you may need to pay the reinstatement fees again to get your drivers license back.

When your SR-22 terminates, the insurance provider is required to file an SR26 with the DOL to alert them that you no longer have active insurance.

If you are pulled over by the police while your SR22 is canceled, you most likely will get a ticket for driving while suspended, which will certainly jack up the cost on your insurance even more.

DUI insurance Lakewood

Exactly How Can I Obtain The Cheapest SR 22 Insurance Rates?

The lowest SR22 insurance coverage rates can be obtained by checking rates of a number of insurance companies that concentrate on SR-22 insurance. The easiest method to do that is to simply call Mid-Columbia Insurance. We work with numerous insurance providers that provide SR-22 insurance– as well as we write a great deal of it.

If you live in Washington and must get your license reinstated, we can really help. The SR-22s are submitted online with the state so you can have your driver’s license back quick.

If you live in Washington you most likely received your ticket here and so need a Washington SR22 however, if you require an out-of-state SR 22, we can also do Oregon SR 22s, California SR22s, Idaho SR22, as well as almost any other state.

Can I Obtain An SR22 Without Having Auto Insurance Coverage?

If you do not have auto insurance, 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 minimum coverage on the plan so it does not need to be costly to get insured. Of course, the more tickets you have on your driving history, the more your insurance coverage will certainly cost you.

A simple telephone call and we can have your insurance coverage launched as well as your SR-22 on its way to the DOL.

Does SR22 Increase Insurance Rates?

Needing an SR 22 raises your insurance policy prices since many preferred insurance providers do not desire to cover somebody that needs an SR22 and due to the tickets you probably have on your motor vehicle record.

The actual SR22 filing will just add around $25 to your auto insurance policy, however you will probably need to get an insurance policy with a “High Risk” auto insurance provider ready to gamble on covering you.

About Lakewood

Lakewood is a city in Pierce County, Washington, United States. The population was 58,163 at the 2010 census.

Lakewood was officially incorporated on February 28, 1996. Historical names include Tacoma/Lakewood Center and Lakes District (this name was used by the U.S. Census in the 1970 and 1980 Census). Lakewood is the second-largest city in Pierce County and is home to the Clover Park School District, the Lakewood Water District, Fort Steilacoom Park and Western State Hospital, a regional state psychiatric hospital.

Thornewood Castle was built in the vicinity of Tacoma in the area that is now Lakewood.

Source: Lakewood, Washington in Wikipedia

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