SR22 Insurance Sprague Washington  [FAQ]

Start Driving Again! Owner & Non-Owner SR-22

SR22 Insurance lets you return to the road quick in Sprague Washington. Let Mid-Columbia Insurance handle your SR 22.

If you are informed that you need an SR-22 would you have any idea what to do? Breathe easy, SR22 insurance is our specialty. Mid-Columbia Insurance can handle processing the SR 22 in Sprague for you. Let us be your insurance finders.

If you are coping with a DUI or other significant tickets then getting SR22 insurance coverage is most likely your next step to getting your license back and being able to drive your cars or truck lawfully. Mid-Columbia Insurance serves Sprague and all of Lincoln County and is the general SR-22 insurance expert. We can write a Progressive SR 22, National General SR22, Dairyland SR 22, Kemper SR22, Safeco SR 22, The General SR-22, and more for you.

SR22 insurance coverage can be expensive so it is necessary that you can purchase the coverage you require at a rate you can pay for. We concentrate on representing the progressive insurance providers that offer the best quotes for SR22 insurance coverage in Washington.

Concerned about who to trust? Check out our fantastic Google Reviews. Can 1500+ people be wrong? When want to start your SR22 automobile insurance, call us for a quick and totally free SR22 insurance quote.

SR-22 DUI insurance in Sprague WA

Suspended License? Low Priced Washington State SR22. Get Your Drivers License Back Now!

The majority 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 lost your license due to a DUI and/or some driving accident there are a number of things you will be required to do to get your license back. Among them is to get an SR-22 with the state.

All you need to understand about SR 22 insurance around Sprague.

What is SR 22 Insurance?

An SR-22 is mandated by the Department of Licensing (DOL) in order to restore your drivers license after getting a suspension or revocation for a DUI, a lot of tickets, and so on. An SR22 simply verifies to the DOL that you carry the vehicle insurance coverage they require.

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

If you let your SR22 insurance coverage go unpaid, your insurance company is obligated to inform the state with a SR-26 form and if you go for a time without the SR22, you might need to pay the state to get back your license once you get a new SR 22.

SR22 insurance Sprague

Is an SR22 the same as car insurance coverage?

An SR22 is evidence you have cars or truck insurance. Sort of like the Insurance ID Card you would present to law enforcement if you were pulled over but the SR22 is filed with the Department of Licensing (DOL).

Having an SR-22 is merely evidence you are fulfilling the state’s minimum car insurance requirements and is simply a rider on your automobile insurance policy. Your insurance company is certifying to the DOL that you have liability insurance in force with them and they promise to alert the state if your insurance terminates.

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

Yes, you can get an SR 22 even if you do not have an auto. If the Department of Licensing (DOL) mandates you carry an SR 22 to reinstate your drivers 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 Broad Form policy covers you when you are driving almost any vehicle, owned or non-owned.

There are disadvantages to insuring your license. Make sure to speak to one of our experienced insurance agents when making this important choice.

For additional information about Broad Form insurance coverage, take a look at our Broad Form insurance/ Driver’s License Insurance page.

SR22 insurance Sprague

How to Get SR 22 Insurance?

To get an SR22, you can ask your insurance representative to endorse it to your current vehicle policy or you could begin a new policy with the SR 22. Getting an SR22 doesn’t need to be a trouble– Mid-Columbia Insurance is the SR-22 expert– we can guide you through the whole process!

You can call us at (509)783-5600, come to one of our offices, or start the process online completing the quote request. The faster you purchase your policy, the quicker we can help you get your license reinstated.

You could invest all day searching the internet but it is unlikely that you will discover cheaper SR 22 coverage and you will never ever experience client service that can do better than what we will do for you.

Where Can I Get Inexpensive SR 22 Insurance?

Inexpensive SR-22 insurance coverage in Sprague is normally purchased from an independent insurance agency like Mid-Columbia Insurance since we represent multiple insurers that want your business. The General, Geico, and Progressive spend millions marketing on television trying to sway you that they can save you money by buying insurance direct only to let you down.

As an independent insurance agent, we work for you, comparing an entire list of vehicle insurers to discover for you the very best SR 22 insurance prices in Sprague.

The majority of other car insurance agencies, who we call AllStateFarmers, represent simply their one insurance company and only have one price they can offer.

We work for you, comparing the rates and coverages of numerous auto insurance companies and providing you options.

SR-22 insurance Sprague

SR22 form in Sprague

Can My Existing Agent File My SR-22?

Your current agent can probably attach an SR 22 to your insurance plan however this may create problems for you. Many insurance companies consider themselves “preferred” and so do not wish to insure individuals that require an SR-22. They might jack up your rates substantially or even terminate your plan at renewal when they find out you need an SR-22.


Can I obtain an SR 22 from a different insurance agent?

Yes, you can have a different insurance company file your SR22 with the DOL and not alert your current insurance provider. If they don’t examine your driving history, and unless you had a crash they probably won’t, you probably can keep your preferred auto insurance prices.


If you do not intend to inform your existing insurance policy agent regarding your need for an SR22, Mid-Columbia Insurance can write a standard insurance policy on your driver’s license (called Broad Form) with the SR 22 so you can maintain your present “preferred” insurance coverage on your cars as well as have an SR-22 on your license.

Just How Much Is SR 22 Insurance in Sprague?

The average rate of SR-22 insurance ought to be less than $5 monthly when included in a typical car insurance plan because a lot of insurers only charge about $25 per 6 month policy term for an SR22 filing. This is merely the charge the insurance company charges to deal with the documents needed by the state to alert them that you have an SR22 filing. If your insurance company charges more, it is time to get a new quote and our agency is more than happy to help!

Why, then, does SR-22 insurance appear so costly? An SR22 is just a rider on your regular car insurance. If it is costly, it is because the auto insurance rate is based upon your actual driving record. Did you get a DUI? Numerous traffic tickets? Involved in a crash? Been without insurance? Clearly something happened to trigger you to need the SR22 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 not.

SR-22 insurance Sprague

For How Long Am I Required to Carry An SR22?

Normally you are required to carry an SR-22 for 3 years yet it could quite possibly be more or less depending on the judge and also your circumstances.

The most effective way to figure out how long you are going to really need to have an SR22 is to call the Washington Department of Licensing directly and ask them.

What Takes place If I Terminate My SR22 Insurance Coverage?

If, while required, your SR 22 insurance policy terminates while an SR22 is still required, the state will certainly re-suspend your driver’s license until you get an SR22 filed once more and you might need to pay the reinstatement costs once more in order to get your driver’s license back.

When your SR22 cancels, the insurance provider is required to submit an SR 26 with the DOL to notify them that you no longer have active insurance coverage.

If you are pulled over by the cops while your SR 22 is out of force, you most likely will get a ticket for driving while suspended, which will increase the price on your insurance coverage even higher.

DUI insurance Sprague

How Can I Obtain The Most Affordable SR 22 Insurance Prices?

The most affordable SR-22 insurance coverage rates can be found by checking prices of a few insurance providers that specialize in SR-22 insurance. The most convenient means to do that is to simply call our agency. 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 need to get your license reinstated, we can really help. The SR22s are submitted digitally with the Department of Licensing (DOL) so you can get your driver’s license back quick.

If you reside in Washington you most likely received your ticket here and so require a Washington SR-22 but, if you need an out-of-state SR-22, we can also do Oregon SR-22s, California SR 22s, Idaho SR 22, and just about any other state.

Can I Get An SR22 Without Having Auto Insurance?

If you do not have auto insurance coverage, you can get an SR22 by beginning a brand-new insurance policy and also asking the insurance provider to submit the SR-22 for you.

Washington just requires minimal liability limits on the plan so it does not need to be costly to get started. Of course, the more tickets you have collected, the more your insurance policy will cost you.

A simple phone call and we can have your insurance policy launched and your SR-22 on its way to the DOL.

Does SR-22 Hike Insurance Prices?

Needing an SR22 increases your insurance prices since many name-brand insurers do not want to insure a driver that needs an SR22 and because of the tickets you most likely have on your motor vehicle history.

The real SR22 filing will only add around $25 to your car insurance policy, yet you will possibly have to obtain insurance with a “High Risk” car insurance company ready to gamble on insuring you.

About Sprague

Sprague is a small town in Lincoln County, Washington, United States. The population was 446 at the 2010 census. The town was platted in 1880 and named for former American Civil War Union general John Wilson Sprague.

Sprague was first settled by William Newman, who established an inn at the location.

Sprague was officially incorporated on November 28, 1883. Originally called Hoodooville after William Burrows, a local character called Hoodoo Billy, the name was changed to honor General John W. Sprague, a railroad executive.

Source: Sprague, Washington in Wikipedia

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