Since I was required to get SR22 here in Illinois, do I need to get higher liability coverage for my auto insurance? How do I get this kind of insurance and how can I get the best deal on it?

Billy

Peoria, IL

Even if you are required to get SR22 insurance in Illinois, the minimum liability auto insurance coverage will still be the same and that would be $20,000 for bodily injury for one person; $40,000 for bodily injury for two or more persons; and $15,000 for property damage.

In order to quickly get SR22 Illinois, you must be able to find a good auto insurer providing cheap SR22 insurance policies. But you should realize that not all auto insurance companies provide auto insurance with SR22, so approaching a specialized SR22 insurance company is recommended. Usually, the filing fee for SR22 insurance in Illinois hovers at the price range of $30-$50.

You should shop around online or by simply calling around various auto insurance companies in order to get the best deals for your auto insurance with SR22. Doing this would help you get an SR22 Illinois insurance that is just right for your budget. After purchasing SR22 insurance, the auto insurance company would send an electronic letter to the Illinois DMV to confirm that you now have SR22 insurance. You would also get your copy of your SR22 insurance through snail mail.

I’m helping a friend get an sr22 insurance. Where can we find sr22 insurance companies?

Diane

Nashville, TN

There are plenty of ways that you can find sr22 insurance companies.

First, you can refer to the website of your state’s Department of Motor Vehicles (DMV). The DMV is the government agency that requires the sr22, a certificate that shows that a driver, who has committed certain violations, has minimum liability coverage for his vehicle. Without the sr22, a driver will have his license revoked and his privileges suspended.

Since the DMV compiles all sr22 certificates per state, they have already compiled a list of sr22 insurance companies that can adequately process the filing of the said document. Their website also shows the satisfaction ratings of these sr22 insurance companies, as well as how much they charge for their services. By using the DMV website, you can be assured that your chosen insurance provider will be able to do the job.

Another option would be to scour your area’s Yellow Pages for listings of insurance companies. A number of traditional insurance providers usually advertise their services through this time-tested publication. In doing so, you not only get the best possible rates but also be assured that the company abides by the state’s insurance rules and regulations.

Finally, try to ask friends who also drive using the sr22 certificate to see who they got as their insurance provider. Make sure to ask if they found the company’s service satisfactory so you can omit them from your shortlist if they did not.

I heard from a friend here in Colorado that women can get better auto insurance rates than men. Is there any truth to this?

Rita

Denver, CO

Hi there, Rita! the Nuggets’ current season in Colorado? Anyway, your friend did make a valid point that you should also look into. Women can get lower auto insurance rates and even female-specific services when available. You can try surfing the internet and read up on insurance specifically marketed towards women.

I am sure that you will find this interesting piece of information: women are considered to be safer drivers compared to men. Why? Most major vehicular accidents can be traced to a male behind the wheel. I don’t know whether there are more male drivers than females, or maybe the cost of claims of men are substantially higher than the women drivers. Regardless of what version of the truth is out there, auto insurance companies did find this to be juicy enough to consider women as less risky to insure and thus offer them lower auto insurance rates. However, even if this is a specific product offering, the female should still consider browsing around for the best auto insurance rate possible. I am sure that with a bit of good old fashioned “get a lot of quotes” approach, one can still find a low or cheap auto insurance rate.