SR-22 Insurance Oak Harbor  [FAQ]

Get Back On The Road! Owner & Non-Owner SR22

SR-22 Insurance lets you get back on the road quick in Oak Harbor. Let Mid-Columbia Insurance handle your SR22 filing.

If you’re informed that you require an SR22 would you have any idea what to do? Breathe easy, SR 22 insurance is our specialty. Mid-Columbia Insurance can take care of submitting the SR-22 in Oak Harbor for you. Let us be your insurance finders.

If you are coping with a DUI or other significant tickets then getting SR-22 insurance coverage is probably your next action to getting your license back and having the ability to drive your vehicle legally. Mid-Columbia Insurance serves Oak Harbor and all of Island County and is the general SR 22 insurance specialist. We offer a Progressive SR 22, National General SR22, Dairyland SR 22, Kemper SR 22, Safeco SR22, The General SR22, and more for you.

SR22 insurance can be costly so it is important that you can find the protection you need at a cost you can handle. We concentrate on representing the progressive insurance providers that offer the very best prices for SR-22 insurance in Washington state.

Worried about who to trust? Have a look at our great Google Reviews. Can 1500+ people be wrong? When want to start your SR-22 auto insurance coverage, call us for a quick and free SR-22 insurance quote.

SR22 insurance in Oak HarborWashington

License Suspended? CheapRates Washington State SR-22. Get Your License Back Quick!

The majority of us must 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 accident there are a number of things you will be required to do to get your license back. One of them is to file an SR 22 with the DOL.

All you need to understand about SR 22 insurance in Oak Harbor.

What is SR 22 Insurance?

An SR22 is required by the Department of Licensing (DOL) in order to reinstate your drivers license after getting a suspension or revocation for a DUI, a lot of tickets, and so on. An SR 22 simply confirms to the DOL that you have the automobile insurance they mandate.

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

If you let your SR-22 insurance coverage cancel, your insurer is obligated to inform the state with a SR26 form and if you go for a time without the SR 22, you may have to pay a fine to reinstate your license once you get a brand-new SR 22.

SR 22 insurance Oak Harbor

Is an SR-22 the same as car insurance coverage?

An SR 22 is proof you have automobile insurance. Kind of like the Proof of Insurance Card you would present to a cop if you were pulled over but the SR22 form is filed with the Department of Licensing (DOL).

Having an SR22 is just proof you are satisfying the DOL’s minimum car insurance requirements and is just an addition to your auto insurance . Your insurance provider is verifying to the DOL that you have liability insurance in force with them and they are required to notify the DOL if your insurance lapses.

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

Yes, you can get an SR-22 even if you do not own a vehicle. If the Department of Licensing (DOL) mandates you carry an SR 22 to resore your license, we can help even if you don’t own a vehicle.

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

A BroadForm policy covers you when you are driving almost any automobile, owned or non-owned.

There are downsides to insuring your license. Make sure to speak with any of our well-informed insurance representatives when making this essential choice.

For more details about Broad Form insurance coverage, have a look at our Broad Form insurance coverage/ Drivers License Insurance page.

SR 22 insurance Oak Harbor

How do I Get SR-22 Insurance?

To get an SR 22, you can ask your insurance representative to add it to your current automobile policy or you can begin a new policy with the SR22. Getting an SR22 does not have to be a trouble– Mid-Columbia Insurance is the SR-22 specialist– we can step you through the whole process!

You can call us at (509)783-5600, visit one of our offices, or start the process online filling out the quote request. The earlier you buy your policy, the sooner we can assist you get your license back.

You could invest all your time searching the web however it is unlikely that you will discover lower SR-22 coverage and you will never ever discover client service that can do better than what we will do for you.

Where Can I Find Low-Cost SR-22 Insurance Coverage?

Cheap SR-22 insurance in Oak Harbor is most often found at an independent insurance agency like Mid-Columbia Insurance since we represent several insurers that want your business. The General, Geico, and Progressive spend millions advertising on TV attempting to influence you that they can save you cash by purchasing insurance coverage online just to disappoint.

As an independent insurance agent, we work for you, shopping an entire list of car and truck insurance providers to find for you the very best SR 22 insurance prices in Oak Harbor.

Most other auto insurance agencies, who we call AllStateFarmers, represent simply their one insurance company and just have a single price to offer.

We work for you, comparing the prices and coverages of numerous car insurers and giving you options.

SR-22 insurance Oak Harbor

SR 22 filing in Oak Harbor

Can My Present Agent File My SR22?

Your present agent can most likely add an SR22 to your insurance plan but this might create issues for you. Lots of insurance providers consider themselves “preferred” and so do not wish to insure individuals that require an SR 22. They may increase your prices significantly or perhaps cancel your policy at renewal when they learn you need an SR 22.


Can I get an SR 22 from a different insurer?

Yes, you can have a different insurer file your SR22 with the DOL and not notify your present insurer. If they do not check your driving history, and unless there was a crash they probably will not, you might be able to maintain your preferred car insurance prices.


If you do not wish to tell your existing insurance coverage representative regarding your need 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 policy on your vehicles as well as have an SR-22 on your license.

Just How Much Is SR 22 Insurance in Oak Harbor?

The typical price of SR-22 insurance ought to be less than $5 monthly when included in a normal car insurance plan because many insurance companies just charge about $25 per 6 month policy term for an SR22 filing. This is simply the cost the insurance company charges to handle the documents needed by the state to inform them that you have an SR22 filing. If your company charges more, you might want to get another quote and we would love to help!

Why, then, does SR22 insurance coverage seem so costly? An SR-22 is simply a rider on your normal auto insurance. If it is costly, it is because the vehicle insurance rate is based upon your actual driving record. Did you get a DUI? Several traffic tickets? Involved in a wreck? Been without insurance? Clearly something took place to cause you to need the SR-22 and this is what causes your insurance coverage to be higher than others.

So, Just how much does SR22 insurance coverage cost? SR22 insurance is inexpensive. It is your driving record that is not.

SR 22 insurance Oak Harbor

How Long Do I Need to Carry My SR22?

Normally you have to have an SR-22 for 3 years however it may possibly be more or less depending upon the judge and also your circumstances.

The very best way to figure out how long you are going to really need to have an SR 22 is to call the Washington Department of Licensing directly and find out.

What Happens If I Terminate My SR-22 Insurance Policy?

If your SR 22 insurance coverage terminates while an SR22 is still required, the state will certainly suspend your license until you get an SR-22 submitted once more and you may need to pay the reinstatement costs again in order to get your license back.

When your SR22 terminates, the insurer is obliged to file an SR 26 with the state to alert them that you no longer have active insurance coverage.

If you are pulled over while your SR22 is out of force, you probably will get a ticket for driving while suspended, which will raise the price on your insurance coverage even more.

DUI insurance Oak Harbor

How Can I Obtain The Lowest SR-22 Insurance Prices?

The lowest SR-22 insurance rates can be found by going over prices of a few insurance companies that specialize in SR 22 insurance. The most convenient means to do that is to just call us. We represent several insurers that offer SR-22 insurance coverage– and also we write lots of it.

If you reside in Washington state and must get your license unsuspended, we can help. The SR22s are submitted electronically with the Department of Licensing (DOL) so you can get your driver’s license back fast.

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

Can I Obtain An SR22 Without Having An Auto Insurance Policy?

If you don’t have auto insurance, you can get an SR-22 by beginning a new insurance policy and asking the insurance agent to submit the SR 22 for you.

Washington only requires minimal liability limits on the policy so it doesn’t need to be expensive to start. Of course, the more tickets you have on your driving record, the more your insurance coverage will certainly set you back.

A fast phone call and we can have your insurance coverage set up and your SR-22 on its way to the DOL.

Does SR-22 Increase Insurance Prices?

Needing an SR 22 raises your insurance policy rates since a lot of preferred insurance providers do not desire to insure a person that needs an SR22 as well as because of the tickets you probably have on your driving history.

The actual SR22 filing will just add around $25 to your vehicle insurance plan, but you will most likely need to obtain insurance coverage with a “High Risk” auto insurance provider ready to gamble on covering you.

About Oak Harbor

Oak Harbor is a city located on Whidbey Island in Island County, Washington, United States. The population was 22,075 at the 2010 census. Oak Harbor was incorporated on May 14, 1915.

Oak Harbor is Whidbey Island’s largest incorporated city; it is named for the Garry Oak trees which grace its skyline. The city’s growth coincided with two major events: the building of Deception Pass Bridge on July 31, 1935, and the completion of Naval Air Station Whidbey Island on September 21, 1942. Oak Harbor’s history goes back to the early 1850s, when two settlers staked claims where the city now stands—Zakarias Toftezen, a shoemaker from Norway; C.W. Sumner from New England.

Houses and businesses sprouted up along the shores of Oak Harbor as the pioneers relied entirely on water transportation until the 1900s. For the next 30 years, steamers and freighters carried passengers and freight from the Island to the mainland and back as well as Fidalgo Island to the north.

Source: Oak Harbor, Washington in Wikipedia

Top DUI Lawyers Near Oak Harbor

Terry L Smith Attorney At Law
1 review
893 SE Pioneer Way, Ste B, Oak Harbor, WA 98277
(360) 279-9292
McPherson & McPherson PLLP Attorneys At Law
3 reviews
Divorce & Family Law
1 NW Front St, Coupeville, WA 98239
(360) 678-4407
Platt, Thompson and Buescher, Attorneys at Law
2 reviews
Divorce & Family Law, Criminal Defense Law, DUI Law
180 NW Coveland St, Coupeville, WA 98239
(360) 678-6777
Jones Butler Dolan,PS
3 reviews
Estate Planning Law, Real Estate Law
10027 Sr 532, Stanwood, WA 98292
(360) 629-3833
Souders Law Group
3 reviews
Real Estate Law, Elder Law, Business Law
913 7th St, Anacortes, WA 98221
(360) 299-3060
Harrison Law Inc P S
1 review
Divorce & Family Law, Personal Injury Law, DUI Law
210 Polk St, Ste 1, Port Townsend, WA 98368
(360) 379-8303

Best Places to Visit By Oak Harbor

Frasers Gourmet Hideaway
178 reviews
American (New), Seafood, Steakhouses
1191 SE Dock St, Ste 101, Oak Harbor, WA 98277
(360) 279-1231
Seabolt’s Smokehouse
501 reviews
Seafood, Smokehouse
31640 Sr 20, Ste 3, Oak Harbor, WA 98277
(800) 574-1120
Jumbo Burrito
218 reviews
Mexican, Steakhouses
31780 State Rte 20, Ste 2, Oak Harbor, WA 98277
(360) 682-5857
Noe Jose Cafe
195 reviews
Breakfast & Brunch, American (New), Mexican
830 SE Pioneer Way, Ste 106, Oak Harbor, WA 98277
(360) 682-6119
Orlando’s Bar + Southern BBQ
129 reviews
Food Trucks, Southern, Soul Food
656 SE Bayshore Dr, Oak Harbor, WA 98277
(360) 544-6344
The Terrace Wine Bar and Bistro
68 reviews
Wine Bars, American (Traditional)
791 SE Fidalgo Ave, Ste 104, Oak Harbor, WA 98277
(360) 720-2322