If you have had several moving violations or accidents, or you have been caught driving without insurance, you will likely need to obtain a high risk SR22 insurance policy to reinstate your driving privileges.
While this may seem like a challenging task, it is easy for most drivers to obtain an auto policy.
Several insurance companies throughout the United States specialize in helping high risk drivers get the coverage they need.
They have designed high risk insurance policies to satisfy your state's legal requirements without costing you a fortune each month in insurance premiums.
They understand that most drivers do not have the time to visit an agent's office, so they have taken steps to help make getting a policy as easy as possible.
One of the easiest ways to obtain the coverage you need is to look for SR22 policies online.
There are dozens of insurance carriers that will allow you to obtain quotes, review coverages, and purchase a policy from the comfort of your own home.
In many cases, you can even print out your declarations page and ID cards immediately after you purchase your policy.
Another good method is to call a direct writer.
Instead of using local agents, these companies use in house agents to provide quotes and discuss coverages.
Typically, these insurance companies provide toll free numbers you can call to speak with a licensed agent.
Once you are satisfied with the price and coverage, you can use a credit card or electronic check to pay your down payment.
As long as you have provided honest, accurate information to the direct agent, your policy will be in force before you even hang up the phone.
Regardless of which method you choose, your insurance company will file an SR22 on your behalf with your state's motor vehicle division.
Keep in mind that it may take a few days for the motor vehicle department to process your insurance filing, so it is a good idea to contact the department before you try to reinstate your driver license.