Harold

Mesa AZ

Harold,

Basically an SR22 form must be filed by insurer to show proof to the state that you have the required liability limits in place. Typically it is required for drivers you got convicted of driving without insurance and in some states, it is part of reinstatement procedure if your drivers license has been suspended due to serious offense such as DUI/DWI.

If you are required to get a SR-22 certificate of financial responsibility and you do not own an automobile, then you may be able to get a Non-Owners SR-22. Generally a non-owners SR-22 permits the the insured to operate any car that they are given permission to use by the car owner, unless a household member is the car owner.

So basically the difference between the SR-22 Non-Owners insurance and the regular SR22 insurance coverage is that with a SR-22 Non-Owners insurance policy you do not own a car to directly place insurance on. While with a SR-22 insurance policy you own a car in which the insurance is put on.

How do you find cheap car insurance for high risk drivers?

Kim

Sedona, AZ.

Kim,

 Well, it is easy, but first you need to define what would classify you as a high risk driver. You would think of a high risk driver as someone with lots of speeding tickets, or accidents. But did you know that you can be a high risk driver based on your age?

Many teens and younger people are classified as being a high risk driver just because of their age. This is primarily due to the fact that young people, teens in particular, don’t have a lot of driving experience. Also, being above a certain age, as in elderly adults, can affect your car insurance rates.

 It is the best practice to be honest with your insurance agent when

talking to the about your past driving history. If they find out later that you lied, or didn’t tell the whole truth about your driving past, they often times can, and will, cancel your car insurance policy.

Excellent Question