A: Even though you’ve just been given the worst label in auto insurance; ‘high risk’ you still have options when it comes to your SR22 auto insurance. What you need to remember is that there are many companies that specialize in these types of auto insurance policies and more specifically DUI auto insurance policies.

When shopping for SR22 auto insurance the way to get the cheapest policy is to get rate quotes from as many different sources as possible. In general SR22 insurance will be much more expensive than the more traditional auto insurance for lower risk applicants. So don’t think cheap sr22 insurance … think lower cost sr22 insurance.

What is PIP  insurance and do I need it?

Alice

Tempe, AZ.

Alice,

 Personal Injury Protection (PIP) coverage pays for medical expenses and lost wages for you and your passengers who are injured in an accident. It also covers funeral costs. PIP is required in 16 states. Do you need it? If you have good health insurance and disability insurance, you can skip PIP or buy only the minimum amount if it’s required.

 Uninsured/underinsured motorists coverages

States that require PIP coverage

Arkansas

Delaware

Florida

Hawaii

Kansas

Kentucky

Maryland

Massachusetts

Michigan

Minnesota

New Jersey

New York

North Dakota

Oregon

Pennsylvania

Utah

Great Question. Hope this information helps you in your decision.

Thank you.