SR 22 Insurance Texas

I live in Houston, TX, and my auto insurance company cancelled my SR22 insurance policy. What should I do?

If your auto insurance provider cancelled your SR22 policy, they have probably contacted the Texas DMV of the cancellation.  This means that your driver’s license could be suspended again.  You need to contact the DMV immediately and find out what you need to do in order to avoid having your license suspended.  You may be required to pay a fine and will most likely be required to start your 2 year SR-22 filing period over again.  Once you have talked with the DMV about the steps you need to take you will need to either try to get your policy reinstated with your current SR22 provider or find a new company to get your Texas SR22 insurance through. 

If you’re current company cancelled your policy for nonpayment or because you have filed too many claims with them you may be forced to try to find a new company.  The longer you go uninsured, the harder time you will have finding a company to insure you. You may have to get quotes from multiple companies before you can find one to insure you.  Going forward, it is very important that you never let your SR-22 insurance policy lapse for any reason. It may be beneficial for you to set up an automatic monthly payment for your insurance so you never miss a payment.

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What are the minimum liability coverage amounts in Texas?

• The current minimum liability coverage amounts in Texas are:
  $20,000 for bodily injury to or death of one person in one accident
  $40,000 for bodily injury to or death of two or more persons in one accident
  $15,000 for damage to or destruction of property of others in one accident

SB 502 which passed into law 09-01-07 authorizes the minimum coverage to increase to $25,000/$50,000/$25,000 effective 04-01-08.

Texas Liability Insurance Rates

I was convicted of a DWI last month and my driver’s license was suspended. I was told that I need a Texas SR-22 filing. What is that exactly?

Basically a Texas SR-22 filing is a form that your auto insurance company files with the state that proves that you have at least the minimum amount of liability insurance required by law. Normally drivers that are required to maintain an SR22 filing were convicted of a DUI/DWI, caught driving without insurance, etc. Unfortunately drivers that need to purchase SR-22 insurance are considered a higher risk to insure and can face higher auto insurance premiums. When your driver’s license has been suspended the Texas DMV wants to see proof of insurance before they will allow your license to be reinstated.

Texas requires that you maintain an SR-22 filing for a period of 2 years. It is important that you do not let your auto insurance coverage lapse at any time or your driver’s license could be suspended again. If your SR-22 policy lapses or is terminated at any time during the filing period your insurance company is required to inform the Texas DMV. If you are looking for ways to find affordable SR22 insurance take some time and compare quotes from at least 4-6 different companies. You will be surprised at how much prices will vary from company to company. The more research you do the better chance you will have at finding the cheapest rate.

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I am trying to figure out a way to lower my monthly bills.  How can I find cheap SR-22 insurance in San Antonio?

In today’s economy everybody is trying to figure out ways to save money whether it’s cutting coupons, carpooling to save gas, or eating at home more often.  Fortunately, there are also quite a few ways to save on your SR-22 insurance.

First, consider lowering your coverage amounts.  If you have an older vehicle that isn’t worth very much you might just want to carry liability insurance rather than full coverage.  Are you paying extra for coverage you don’t really want like roadside assistance or towing? Companies such as AAA can offer a more affordable roadside assistance plan than actually paying for it through your auto insurance policy.

Second, consider raising your deductible. The higher your deductible is the cheaper your SR-22 insurance premium will be.  You might want to raise your deductible from $500 to $1000. Just remember that the higher your deductible is the more you will have to pay out of pocket if you have a claim.  You should discuss your options with your SR22 company to see what will work the best for you and your budget.

The best way to find cheap SR-22 insurance in San Antonio is to compare quotes from at least 5 different SR22 insurance providers.  You will probably find that some companies are way cheaper than others, so it is important to compare quotes from as many companies as possible to find the absolute cheapest rate.

Cheap SR-22 Insurance in San Antonio

I am moving from Abilene to Houston. Will my Texas SR22 insurance premium go up?

That just depends on where you are moving to and your SR22 insurance company. Your auto insurance premium is heavily influenced by where you live. Car insurance companies look at your address, what type of dwelling you live in, and the crime and claim rate in your area. If you live in an apartment that has a high crime rate, your rates will probably increase. If you move in to an upscale, gated community your rates could decrease, so you may or may not see a difference in your SR22 insurance premium.

You should call your current SR22 insurance company, give them your new address, and see if your rate changes. If you are unhappy with your rate, you can always compare SR-22 quotes from a few different SR22 insurance providers. In order to find cheap SR22 insurance, you need to do your research, so take some time to shop around for the best rate.

Free SR-22 Insurance Quotes in Texas

I live in Austin. Can I save on my Texas SR22 insurance if I have an alarm system in my car?

Yes, having an alarm system or any anti theft device can help lower your SR-22 insurance rate as well as your regular auto insurance rate. Insurance companies look at risk to determine your insurance premium. A car with an alarm system is less likely to be stolen; therefore it is less of a risk to insure. Normally when you are filling out an SR-22 insurance quote online, you will be asked about what kind of safety features your car has. Things like airbags or ABS brakes can also help get you cheap SR-22 insurance in Texas. You should ask your SR22 insurance company what special discounts they offer to help make your insurance more affordable.

Cheapest SR22 Insurance Texas

If I get a DUI in Texas, how much will my auto insurance premium increase? What is the average price it goes up?

When you are convicted of a DUI in Texas, you are required to file an SR-22 form with the Texas DMV for a period of 2 years. Texas SR-22 insurance is definitely more expensive than regular auto insurance, and getting caught driving under the influence of alcohol causes your car insurance company to see you as a higher risk driver and increase your rates. There is not one set dollar amount that your car insurance will go up after getting a DUI. It really depends on your driving record and your insurance company.

Your car insurance rates could go up as much as 20-30%, so you need to contact your auto insurance company and see how much they will charge you for SR22 insurance. Some companies do not offer SR22 insurance so you might have to file for SR22 with a different company. It’s always a good idea to compare quotes from a few other companies either way just to make sure you are getting the cheapest SR-22 rate possible.

Cheap SR-22 Insurance Texas

If I drive without Texas SR22 insurance will I get caught? Will I get in trouble?

Yes, you will get in trouble if you get caught driving without SR22 insurance. Not only will you be driving without insurance, you will be driving without a valid driver’s license which is illegal. Texas state law requires that you file an SR 22 form with the DMV in order to have your driver’s license reinstated after getting a DUI. If you get caught driving on a suspended license, you could face harsh penalties such as paying huge fees and fines, spending time in jail, or having your driver’s license revoked.

If you choose to drive without getting Texas SR-22 insurance, the DMV will not know right off the bat. The only way they will find out is if you get pulled over by a cop for speeding or for any other traffic violation. In the end, it is much better to suck it up and file for SR22 insurance. You can try to avoid it as long as possible, but you can’t go without a driver’s license forever. At some point you will have to get an SR-22 filing, so it’s better to avoid the hassle of getting caught without it.

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Can I get Texas SR22 Insurance through my current auto insurance company?

That just depends on your current auto insurance provider. Some companies do not offer SR-22 insurance at all and some companies might choose to drop a driver’s policy if they are convicted of a DUI or have had too many tickets or accidents. In order to find out if you can get an SR22 filing with your current auto insurance company, you need to call them and ask. If they do not offer Texas SR 22 insurance you will need to find a different company to get insurance with. Even if they will allow you to get SR22 insurance coverage, you still need compare quotes from a few other auto insurance providers to make sure you are getting the cheapest rate possible. Just because you have been with your insurance company for a while doesn’t mean they will offer you the most affordable SR22 rate.

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I was convicted of a DUI and I need to get SR22 insurance. Are there any special discounts I could get to make my Texas SR22 insurance more affordable?

Yes, there are a few discounts that auto insurance companies offer to help drivers save money on SR 22 insurance. Every insurance company is different and may have their own specific requirements for such discounts. A few auto insurance discounts that might help you save on your SR22 insurance are:

1) The good student discount (full time enrollment with a B average or better)

2) Safe Vehicle Discount for vehicles with airbags, anti-lock brakes, etc.

3) Defensive driving discount (requires completion of a defensive driving course)

4) Hybrid Vehicle Discount

These are just a few of the many auto insurance discounts available out there. It is up to you to do your research and ask your insurance provider which discounts they offer and what you qualify for. You might find that after you are convicted of a DUI your insurance company might take away some of the discounts you already had. If this happens, you might want to check out a few quotes from other insurance companies to see if you can find a better rate through a different company that provides Texas SR-22 insurance.

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