If you have an SR22, or Certificate of Financial Responsibility, one of the main hurdles that you may encounter is difficulty finding affordable car insurance. Automobile insurance is often more expensive when you have an SR22 because insurance companies may believe that you present a greater risk than other motorists. However, there are things you can do to help make your car insurance coverage more affordable. Use this information to learn two tips that can make your insurance budget-friendly even when you have an SR22.
Contact A Local Driving School
One of the first things you should do when you need car insurance and you have an SR22 is contact a driving school. This is beneficial for a couple of different reasons.
First, some insurance companies will offer a discount to SR22 policyholders who take a defensive driving course. The insurance company sees it as a positive thing for their insureds to learn techniques that can help make them better drivers, since this could reduce the chances of an accident. You should call your insurer to find out if they offer this discount. If they don't, it may be time to get quotes from elsewhere.
In addition, some driving schools are privy to information about which insurance companies offer the best rates to people with SR22's. The driving schools will be more than happy to make you aware of the insurer you should call because they may receive a perk from the referral.
Request An Auto-Draft Discount
Another technique you can use to help make your SR22 insurance more affordable is to request an auto-draft discount. What this means is that the insurance company will have your permission to debit your premium from your checking or savings account each month.
Insurers offer a discount for auto-drafting because it means that they will more than likely get their payments. It also shows responsibility, which is the very thing that you're trying to prove that you are. There may be an even larger discount if you pay the entire premium balance up front, rather than making monthly payments.
Getting an SR22 doesn't have to mean that you'll be stuck with an unmanageable car insurance bill. Don't make the mistake of allowing your insurance protection to lapse because you can't afford the payment. When you have an SR22, start using these tips right away so you can get your car insurance premium down to an amount that you can afford.