Thurston County SR-22 Insurance [FAQ]
Get Your License Back! Owner & Non-Owner SR-22
Start Driving Again Quick in Thurston County. Let Mid-Columbia Handle Your SR22 Insurance
If you’re told that you need an SR 22 would you have any idea what to do? Breathe easy, SR 22 insurance is our specialty. Mid-Columbia Insurance can handle submitting the SR22 in Thurston County for you. Let us be your insurance finders.
If you are facing a DUI or other major tickets then getting SR-22 insurance is probably your next step to getting your license back and having the ability to drive your auto legally. Mid-Columbia Insurance serves Thurston County and all of none and is the general SR22 insurance expert. We offer 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 can be expensive so it is important that you can find the protection you require at a price you can pay for. We focus on representing the progressive insurers that provide the very best prices for SR22 insurance in Washington state.
Anxious about who to rely on? Have a look at our excellent Google Reviews. Can 1300+ people be wrong? When you’re ready to start your SR-22 vehicle insurance, call us for a fast and complimentary SR22 insurance quote.
Suspended License? Quick Washington State SR 22. Get Your Drivers License Back Fast!
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 have lost your license due to a DUI or some driving mishap there are a variety of things you will be required to do to get your license back. One of them is to file an SR-22 with the state.
Everything you care to know about SR 22 insurance around Thurston 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 coverage?
Often an SR22 is also called a certificate of financial responsibility (CFR) filing. Having an SR22 form on file simply means you are meeting the state’s minimum automobile insurance coverage requirements.
If you let your SR22 insurance coverage go unpaid, your insurer is required to alert the state with a SR 26 form and if you go long enough without the SR-22, you may have to pay the state to reinstate your license once you get a brand-new SR22.
Is an SR 22 considered automobile insurance?
An SR22 is evidence you have vehicle insurance coverage. Sort of like the Proof of Insurance Card you would present to a police officer if you were pulled over but the SR22 form is filed with the Department of Licensing (DOL).
Having an SR22 is merely evidence you are meeting the DOL’s minimum auto insurance requirements and is just an addition to your car insurance policy. Your insurance company is verifying to the DOL that you have liability insurance in force with them and they pledge to notify the state if your insurance terminates.
I Don’t Own a Car– Can I 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) requires you have an SR-22 to resore your drivers license, we can help even if you do not own a cars or truck.
You can also get what is called a BroadForm Insurance plan, or more typically “Drivers License Insurance”.
A Broad Form policy covers you when you are driving almost any automobile, owned or non-owned.
There are drawbacks to insuring your license. Make sure to speak with any of our experienced insurance representatives when making this crucial choice.
For additional information about Broad Form insurance coverage, check out our Broad Form insurance coverage/ Driver’s License Insurance page.
How do I Get SR 22 Insurance?
To get an SR22, you can request for your insurance representative to add it to your existing car policy or you can start a new policy with the SR22. Getting an SR 22 does not need to be an inconvenience– Mid-Columbia Insurance is the SR-22 specialist– we can take you through the whole process!
You can call us at (509)783-5600, visit one of our offices, or start the process online submitting the quote request. The faster you buy your policy, the faster we can help you get your license reinstated.
You might invest all day searching the web however it is not likely that you will find lower SR 22 coverage and you will never experience customer service that can exceed what we can do for you.
Where Can I Find Affordable SR-22 Insurance Coverage?
Inexpensive SR22 insurance in Thurston County is usually purchased from an independent insurance agency like Mid-Columbia Insurance since we represent multiple insurance companies that want your business. The General, Geico, and Progressive spend millions advertising on television trying to persuade you that they can save you cash by purchasing insurance coverage direct only to disappoint.
As an independent insurance agent, we work for you, shopping an entire list of vehicle insurance providers to discover for you the best SR-22 insurance rates in Thurston County.
Many other auto insurance agencies, who we call AllStateFarmers, represent simply their one company and just have a single price they can offer.
We work for you, comparing the rates and coverages of multiple car insurance providers and giving you a choice.
Can My Present Insurance Agent File My SR-22?
Your current insurance company should be able to add an SR 22 to your insurance plan however this may create issues for you. Many insurance companies consider themselves “preferred” and so do not wish to insure individuals who need an SR22. They might jack up your rates considerably or even cancel your plan at renewal when they find out you need an SR22.
Can I get an SR-22 from a different insurance agent?
Yes, you can have a different insurer submit your SR22 with the state and not inform your current insurance company. If they do not examine your driving history, and unless you were involved in an accident they possibly won’t, you may be able to keep your preferred auto insurance policy rates.
If you do not want to tell your existing insurance coverage agent about your requirement for an SR22, Mid-Columbia Insurance can offer a basic insurance policy on your driver’s license (called Broad Form) with the SR 22 so you can maintain your current “preferred” insurance on your cars and trucks and have an SR-22 on your license.
Just How Much Is SR 22 Insurance Coverage in Thurston County?
The typical cost of SR 22 insurance coverage ought to be less than $5 each month when included in a typical car insurance plan given that most insurance companies just charge about $25 per 6 month policy term for an SR 22 filing. This is just the cost the insurance company includes to deal with the paperwork required by the state to inform them that you have an SR22 insurance filing. If your insurance company charges more, it is time to get another quote and we are more than happy to help!
Why, then, does SR 22 insurance seem so pricey? An SR 22 is just a rider on your standard auto insurance. If it is expensive, it is because the vehicle insurance rate is based on your actual driving record. Did you get a ticket for driving under the influence? Several traffic tickets? Involved in an accident? Been without insurance coverage? Certainly something took place to cause you to need the SR 22 and this is what causes your insurance to be higher than others.
Just how much will SR-22 insurance run? SR22 insurance is cheap. It is your driving record that is not.
For How Long Am I Required to Carry An SR22?
Typically you need to carry an SR-22 for 3 years however it can be more or less depending upon the court as well as your situation.
The most effective way to learn how long you will really need to have an SR 22 is to call the Washington Department of Licensing directly at 360-902-3900 and ask them.
What Happens If I Cancel My SR-22 Insurance Coverage?
If, while needed, your SR22 insurance policy cancels while an SR-22 is still required, the state will suspend your drivers license until you get an SR22 filed again and also you might have to pay the reinstatement costs once again to get your driver’s license back.
When your SR-22 terminates, the insurance company is obliged to file an SR 26 with the state to inform them that you no longer have active insurance coverage.
If you are pulled over while your SR-22 is canceled, you probably will get a ticket for driving while suspended, which will increase the cost on your insurance even more.
How Can I Obtain The Cheapest SR22 Insurance Rates?
The lowest SR-22 insurance rates can be had by going over rates of a few insurers that specialize in SR22 insurance. The simplest method to do that is to just call Mid-Columbia Insurance. We represent numerous insurance companies that offer SR22 insurance– as well as we write lots of it.
If you reside in Washington and need to get your license unsuspended, we can help. The SR-22s are submitted digitally with the state so you can get your drivers license back fast.
If you live in Washington you most likely received your ticket here and therefore require a Washington SR-22 yet, if you require an out-of-state SR 22, we can also do Oregon SR 22s, California SR 22s, Idaho SR 22, and just about every other state.
Can I Obtain An SR-22 Without Having Car Insurance?
If you don’t have car insurance coverage, you can obtain an SR22 by beginning a brand-new insurance policy and also asking the insurance agent to submit the SR22 for you.
Washington only calls for minimal liability limits on the plan so it doesn’t have to be pricey to start. Certainly, the more tickets you have collected, the more your insurance coverage will certainly cost you.
A quick call and we can have your insurance policy launched and also your SR-22 on its way to the DOL.
Does SR22 Hike Insurance Prices?
An SR22 hikes your insurance rates due to the fact that most name-brand insurance providers do not care to cover a driver who needs an SR22 and 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, but you will most likely need to obtain insurance coverage with a “High Risk” car insurer willing to take a chance on insuring you.
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About Thurston County
Thurston County is a county located in the U.S. state of Washington. As of the 2010 census, its population was 252,264. The county seat and largest city is Olympia, the state capital.
Thurston County was created out of Lewis County by the government of Oregon Territory on January 12, 1852. At that time, it covered all of the Puget Sound region and the Olympic Peninsula. On December 22 of the same year, Pierce, King, Island, and Jefferson counties were split off from Thurston County. It is named after Samuel R. Thurston, the Oregon Territory’s first delegate to Congress. In his role as congressional delegate, Thurston attempted to justify Oregon State’s Exclusionary Acts, which barred people of color from suffrage and allowed for their exclusion from the state.
Thurston County comprises the Olympia-Tumwater, WA Metropolitan Statistical Area and is included in the Seattle-Tacoma, WA Combined Statistical Area.
Source: Thurston County, Washington in Wikipedia