Are you a driver in Arizona looking for SR22 insurance? Look no further! We have all the information you need to save money on your non-owner SR22 Arizona policy. Read on for everything you need to know about SR22 insurance in Arizona.
What is SR22 Insurance?
SR22 insurance is a certificate that proves to the state that you have the minimum required insurance coverage. It is typically required for drivers who have had their license suspended or revoked, or who have been convicted of a DUI or other serious traffic offenses.
It’s important to note that SR22 insurance is not a type of insurance, but rather a document that insurance companies file with the state to verify that you are complying with state insurance requirements.
SR22 insurance can be purchased as a separate policy or as an addition to your existing policy. It is typically more expensive due to the higher risk associated with drivers who are required to carry it.
SR22 insurance is required for a set amount of time, typically 3 years in Arizona, but the length of time can vary depending on your individual situation.
Why Do I Need SR22 Insurance?
If you have been convicted of certain traffic offenses, the state of Arizona may require you to carry SR22 insurance. This is to ensure that you are complying with state insurance requirements and to protect other drivers on the road.
Failure to maintain SR22 insurance can result in further license suspension, fines, and even jail time. It’s important to maintain this coverage as required by the state.
How Much Does SR22 Insurance Cost?
The cost of SR22 insurance can vary depending on a number of factors, including your driving history, the type of car you drive, and the extent of coverage you require. It is typically more expensive than standard insurance policies due to the higher risk associated with drivers required to carry it.
However, not all insurance companies offer SR22 insurance policies, so it’s important to shop around for the best rates and coverage.
How Do I Get SR22 Insurance?
If you need SR22 insurance, contact your insurance provider to see if they offer it. If they do not, you can search for other insurance companies that do offer SR22 insurance policies.
Once you have obtained an SR22 insurance policy, your insurance company will file the necessary documents with the state on your behalf. This will verify to the state that you are complying with insurance requirements.
Can I Get Non-Owner SR22 Insurance?
If you do not own a car but still need SR22 insurance, you may be able to obtain non-owner SR22 insurance. This type of policy provides liability coverage for drivers who do not own a car.
Contact your insurance provider to see if they offer non-owner SR22 insurance policies. It’s important to note that non-owner policies typically do not provide coverage for the car being driven, so be sure to discuss your coverage needs with your provider.
FAQs
Is SR22 insurance required for all drivers in Arizona?
No, SR22 insurance is only required for drivers who have had their license suspended or revoked, or who have been convicted of certain traffic offenses.
How long do I need to carry SR22 insurance?
The length of time you need to carry SR22 insurance varies depending on your individual situation, but it is typically required for 3 years in Arizona.
Can I switch insurance companies while carrying SR22 insurance?
Yes, you can switch insurance companies while carrying SR22 insurance, but it’s important to make sure that your new insurance provider offers SR22 insurance policies.
Conclusion
SR22 insurance can be a hassle, but it’s a necessary requirement for many drivers in Arizona. We hope this guide has helped answer some of your questions about SR22 insurance and has provided you with the information you need to obtain this important coverage.
