University Place SR22 Insurance [FAQ]
Get Your License Back! Owner & Non-Owner SR-22
Return to the Road Quick in University Place. Let Mid-Columbia Handle Your SR22 Insurance
If you are informed that you require 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 University Place for you. Let us be your insurance coverage finders.
If you are dealing with a DUI or other major tickets then getting SR22 insurance is more than likely your next step to getting your license back and being able to drive your car legally. Mid-Columbia Insurance serves University Place and all of Pierce 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 SR22, The General SR22, and more for you.
SR22 insurance can be costly so it is important that you can purchase the protection you require at a price you can pay for. We focus on representing the progressive insurers that offer the best quotes for SR22 insurance in Washington .
Worried about who to help you? Check out our great Google Reviews. Can 1300+ clients be wrong? When you’re ready to get your SR 22 vehicle insurance, call us for a fast and complimentary SR 22 insurance quote.
Suspended License? Low Priced Washington State SR22. Get Your Drivers 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 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 file an SR22 with the DOL.
Everything you need to know about SR-22 insurance near University Place.
- 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 SR22 Insurance?
Often an SR22 is also called a certificate of financial responsibility (CFR) filing. Having an SR 22 form on file just means you are satisfying the state’s minimum automobile insurance coverage requirements.
If you let your SR22 insurance coverage lapse, your insurer is obliged to notify the state with a SR26 form and if you go without the SR-22, you might need to pay a fine to reinstate your license once you get a new SR-22.
Is an SR 22 the same as automobile insurance coverage?
An SR-22 is evidence you have car insurance coverage. Sort of like the Proof of Insurance Card you would present to law enforcement if you were pulled over but the SR-22 is submitted to the Department of Licensing (DOL).
Having an SR22 is simply evidence you are meeting the state’s minimum car insurance requirements and is simply an addition to your automobile insurance coverage. Your insurance provider is verifying to the state that you have liability insurance in force with them and they are required to inform the state if your insurance coverage cancels.
I Don’t Own a Vehicle– 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) requires you carry an SR 22 to reinstate your drivers license, we can assist even if you do not own a cars or truck.
You can get what is called a Broad Form Insurance plan, or more commonly “Drivers License Insurance”.
A BroadForm policy covers you when you are driving almost any vehicle, owned or non-owned.
There are downsides to insuring your license. Make sure to talk to one of our experienced insurance representatives when making this essential decision.
For more details about Broad Form insurance, check out our Broad Form insurance coverage/ Driver’s License Insurance page.
How to Get SR22 Insurance?
To get an SR 22, you can ask your insurance representative to endorse it to your present automobile policy or you can begin a new policy with the SR-22. Getting an SR22 does not have to be a trouble– Mid-Columbia Insurance is the SR-22 specialist– we can guide you through the entire 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 purchase your policy, the quicker we can help you get your license reinstated.
You might spend all your time browsing the web but it is unlikely that you will discover lower SR22 coverage and you will never ever discover customer service that can exceed what we can do for you.
Where Can I Find Affordable SR 22 Insurance Coverage?
Low-cost SR-22 insurance in University Place is usually found at an independent insurance agency like Mid-Columbia Insurance because we represent multiple insurance companies that compete for your business. The General, Geico, and Progressive spend millions marketing on television attempting to influence you that they can save you money by purchasing insurance coverage direct just to disappoint.
As an independent insurance agency, we work for you, shopping an entire list of vehicle insurance providers to find for you the best SR 22 insurance prices in University Place.
Many other car insurance agencies, who we call AllStateFarmers, represent only their one company and only have a single price they can offer.
We work for you, comparing the rates and coverages of multiple vehicle insurance providers and providing you a choice.
Can My Present Agent File My SR 22?
Your present agent can probably add an SR-22 to your insurance plan however this may create troubles for you. Many insurers consider themselves “preferred” and do not want to insure individuals that require an SR22. They might jack up your rates considerably or perhaps terminate your plan at renewal when they discover you need an SR-22.
Can I get an SR22 from a different insurance agent?
Yes, you can have a different insurance provider submit your SR22 with the DOL and not inform your current insurance provider. If they don’t check your driving history, and unless you were involved in a crash they probably will not, you probably can maintain your preferred car insurance rates.
If you do not wish to inform your current insurance policy agent about your need for an SR22, Mid-Columbia Insurance can write a standard insurance plan on your driver’s license (called Broad Form) with the SR 22 so you can maintain your current “preferred” insurance on your cars and also have an SR-22 on your license.
Just How Much Is SR 22 Insurance in University Place?
The typical price of SR 22 insurance should be less than $5 monthly when included in a regular auto insurance plan because most insurers only charge about $25 per 6 month policy term for an SR 22 filing. This is merely the cost the insurance provider includes to manage the documents required by the state to notify them that you have an active SR22 filing. If your insurer charges more, you might want to get another quote and we can help!
Why, then, does SR-22 insurance seem so expensive? An SR22 is just a rider on your ordinary car insurance. If it is expensive, it is because the vehicle insurance rate is based on your driving record. Did you get a ticket for driving under the influence? Multiple traffic tickets? Involved in a wreck? Been without insurance coverage? Clearly something took place to trigger you to need the SR 22 and this is what triggers your insurance coverage to be higher than others.
Just how much will SR-22 insurance coverage cost? SR22 insurance coverage is inexpensive. It is your driving record that is expensive.
How Long Do I Need to Have My SR-22?
Normally you need to have an SR22 for Three years yet it may possibly be more or less depending on the court and your situation.
The most effective way to discover how long you are going to really need to carry an SR-22 is to call the DOL directly and ask.
What Happens If I Terminate My SR 22 Insurance Policy?
If, while mandated, your SR 22 insurance cancels while an SR22 is still required, the state will re-suspend your license until you get an SR 22 submitted again and you might be required to pay the reinstatement charges again in order to get your license back.
When your SR 22 terminates, the insurance provider is obliged to file an SR26 with the state to notify them that you no longer have active insurance coverage.
If you are pulled over while your SR22 is canceled, you probably will get a ticket for driving while suspended, which will hike up the cost on your insurance coverage even more.
How Can I Get The Most Affordable SR-22 Insurance Rates?
The lowest SR22 insurance policy rates can be obtained by going over rates of a few insurance companies that focus on SR22 insurance. The easiest means to do that is to just call Mid-Columbia Insurance. We work with multiple insurance providers that offer SR-22 insurance coverage– and we write lots of it.
If you live in Washington state and need to get your license unsuspended, we can really help. The SR22s are filed digitally with the Department of Licensing (DOL) so you can get your drivers license back fast.
If you live in Washington you most likely got your ticket here and therefore need a Washington SR22 however, if you need an out-of-state SR22, we can likewise do Oregon SR-22s, California SR22s, Idaho SR22, as well as almost every other state.
Can I Obtain An SR 22 Without Having A Car Insurance Policy?
If you don’t have car insurance, you can get an SR-22 by beginning a brand-new insurance policy and also asking the insurance agent to submit the SR 22 for you.
Washington just requires minimum coverage on the policy so it does not need to be costly to start. Naturally, the more tickets you have collected, the more your insurance policy will certainly cost you.
A quick call and we can have your insurance coverage launched and also your SR22 on its way to the DOL.
Does SR22 Raise Insurance Prices?
An SR-22 hikes your insurance policy rates because the majority of preferred insurers do not care to cover a person that requires an SR22 and also due to the tickets you probably have on your motor vehicle record.
The real SR22 filing will just add around $25 to your auto insurance rates, but you will probably need to obtain insurance with a “High Risk” insurer willing to gamble on covering you.
Testimonials & Referrals
Daisy was AMAZING! I called in January needing insurance starting in February. She worked up a quote, and when we went to finalize it the insurance company underwriter changed the parameters. Instead of letting me get discouraged, Daisy went above and beyond to help me keeping in contact with me every couple weeks until my situation has changed enough to afford the required insurance. She never let me give up, and she did everything in her power to get me the best deals. Would highly recommend her. She’s a great asset to her company.
About University Place
University Place is a city in Pierce County, Washington, United States. Its population was 31,144 at the 2010 census.
Based on per capita income, University Place ranks 81st of 522 areas in the state of Washington to be ranked.
University Place received its name in the 1800s when the University of Puget Sound, a private liberal-arts college in North Tacoma, purchased land along the primary north-south route of Grandview Drive. The school sought to build a new campus there, but ended up selling the land back to the city for about $11,000. University Place remained an unincorporated part of Pierce County until the City of University Place was formed on August 31, 1995.
Source: University Place, Washington in Wikipedia