No one likes to pay more than they have to, especially when it comes to insurance. If you are looking for ways to save money on Georgia SR-22 insurance, this article gives tips on what you can do to secure lower rates.
First, understand what an SR-22 insurance is. SR-22 is an insurance document submitted to the Department of Motor Vehicles (DMV) that certifies a person has the minimum required liability auto insurance coverage. It is common for people with multiple citations, at-fault-accidents, or who have been caught driving without insurance, to be required to have an SR-22 filing.
Second, shop around. It is always a good idea to compare rates from different insurance carriers before making a final decision on an insurance policy. Make sure you are looking at companies that offer SR-22 insurance, and take the time to ask for quotes from several companies. You might be surprised to find that you can get a better rate from another carrier.
Third, adjust your coverage and deductible levels. Checking into what types of coverage and deductibles the insurance companies offer can mean savings if you adjust your coverage or choose a higher deductible. This not only allows you to save on premiums, it can also encourage you to be a more responsible driver, as SR-22 is usually chosen for those who have dangerous driving habits.
Fourth, always ask about discounts and research any programs you may qualify for. Most companies offer discounts to those who have good credit, a safe driving history, membership in certain organizations, and students with good grades. Taking advantage of these discounts can save you money on your SR-22 insurance policy. Additionally, some states offer programs that help those who need SR-22 policies to get more affordable coverage.
Fifth, inquire about installment payments. Some companies offer to spread the premium costs out over time by providing installment plans. This can help make the cost of the policy more palatable.
Sixth, driving fewer miles can help. Try to combine trips, carpool, take public transportation or walk when possible, as insurance rates are based on the number of miles you drive.
Seventh, if you are ever asked to submit or update your SR-22 document, do so as soon as possible. Insurance companies often charge high late fees for overdue submissions, so submitting requests ahead of the due dates can help save money.
In addition to these practical tips, also consider finding a reliable car with low insurance rates, learning defensive driving techniques, or asking for a good driver discount. Researching the options and understanding the requirements can help you get the lowest rate and most affordable coverage.
Another way to save money on Georgia SR-22 insurance is to look into non-standard auto insurance carriers. Many times, these types of insurance companies offer lower rates than traditional carriers. While they may not offer the same coverage as a standard insurance company, these policies can still provide a coverage you need.
You should also try to keep your rates low by remaining accident-free and paying your bills on time. Most companies award lower rates to drivers with clean records. Do a quick check to make sure you have the lowest premiums.
In addition, you can use a service to compare auto insurance rates, so you can get accurate quotes for your SR-22 insurance policy. With the click of a mouse, you can quickly compare different companies and find the best rates.
Finally, if you are a new driver and you are required to get SR-22 insurance, look for a company that provides significant discounts for drivers that are no longer classified as a “high-risk” driver. Some companies offer special discounts for drivers that have not been involved in any traffic in the past year and are no longer required to obtain an SR-22 to register their vehicle.
While saving money on Georgia SR-22 insurance can seem difficult, researching your options and taking advantage of discounts available can help. Inquire about special discounts, enroll in a defensive driving course, compare rates to find the best coverage, and consider non-standard auto insurance companies to get the best value for your money. Doing these simple steps can really make a difference in how much you have to pay for mandatory SR-22 coverage.