If you’re a driver in Texas and your state requires you to carry auto insurance that meets SR-22 requirements, you’ll need to get SR-22 insurance. Luckily, there are several ways to obtain this type of insurance in Houston, Texas. By following a few simple steps, you can secure the insurance you need and get your license back. Read on to learn how. You can contact different insurance agencies for quotes.
To get an SR-22 insurance quote in Houston, you’ll need to know the underlying reason you need it. Texas law requires SR-22 coverage for at least two years following a DWI conviction. If you’ve been suspended because of your insurance, you will need to get a new policy and file the SR-22 with the Department of Public Safety. If your license was suspended for a DWI, you’ll have to pay an additional fee to get it reinstated.
During the six months that you need to renew your policy, you’ll need to detail exactly what type of vehicle you drive. The SR-22 form will also require the insurance company to report the type of vehicle you drive on a regular basis. If you own a non-owned vehicle, you may have an economic obligation requirement to maintain insurance coverage for it. Once your court order has expired, you’ll need to renew your SR-22 policy to continue driving legally.
You can get a non-owners SR-22 policy for less than you would pay for an owner’s policy. A non-owners policy will provide liability coverage for non-owned vehicles. Non-owners policies will usually be discounted, but you’ll need to have them endorsed to your auto policy to avoid being suspended or fined. You may also be eligible for a waiver of your SR-22.
If you’ve had any infractions in the past, your premiums will likely be much higher than those of drivers without infractions. For this reason, you might consider driving with a minimum insurance policy until you’re out of the high-risk category. If you’ve had multiple traffic violations, you may even want to sell your car or downgrade to a cheaper model. This way, you can get back on the road once your violations have dropped off your record.
Once you’ve obtained your policy, the next step is to send it to the state’s Secretary of State office in Austin for certification. This process can take as little as 30 days. During this time, you’ll receive a duplicate SR-22 form from your insurance provider, as well as a letter from the State’s Secretary of State. The SR-22 certification process is one of the most common steps to get your license back.
In Texas, the Department of Public Safety requires drivers to obtain SR-22 insurance after committing certain moving violations. In many cases, the driver’s license will be suspended if he or she is found to be driving under the influence of alcohol. SR-22 insurance is a legal requirement, and is usually cheaper than the owner’s policy. Some insurers even offer a special insurance plan that includes SR-22 coverage.
In order to keep your premiums down, you need to shop around for the best deal. The best way to get the lowest price is to compare rates from several different insurance providers. Some of these providers will charge you less for a policy if you have a DWI or other primary violation. You can also save money by driving an older car – leasing companies typically do not require you to carry full coverage. When shopping for a policy, shop around!
For more information on how to get SR-22 Auto Insurance in Houston Texas, visit SR22 Insurance Company.
The average cost for SR-22 insurance in Houston Texas is $826 per year, which is 6% more expensive than standard car insurance. Filing the form itself will cost between $15 and $25 per year. It’s crucial to consider the amount of money you’ll have to pay to keep your car insured in Texas. A full coverage policy will protect you against costly accidents, so you should not skimp on coverage. For the best rates, it’s a good idea to compare three different providers before making a final decision.
