When faced with the penalties that come with getting a DUI or other major traffic violation a lot of people sell their car to save more money. It could be a year or more before you are eligible to drive again so why have a car payment during that time. There may be many reasons why you don’t own a car but still need auto insurance. As a former insurance agent I dealt with many people who all had different needs.
You may also be in a position where you don’t own a car but need a driver’s license to work. If you need to get an SR22 filing you don’t need to own a car to get auto insurance. The policy you need is called a non owner auto policy. This policy will allow you to drive any vehicle and also enable you to fulfill your state required SR22 filing. It doesn’t matter if you own a car or not in order to get your license reinstated the state will require you to carry minimum liability limits for a determined duration.
These are some questions you need to ask your insurance agent when trying to get non owner auto insurance:
- What are the state minimum liability limits and do you recommend higher limits for my situation?
- Do you offer a non owner auto insurance policy and what is included with that policy?
- How much does it cost to add the required SR22 filing?
- What information do you need from me to add the SR22, such as a case number?
- How long will this traffic violation affect my insurance rates with your company?
Those are just a few questions that you need to ask your insurance agent when shopping for a non owner SR22 policy. There may be multiple quotes you are receiving and this will help you narrow down which companies offer what you need and at what price.
Once you buy a car again you just need to notify your insurance company and they will need to change your policy from a non owner to a standard auto policy. They will be able to continue your SR22 insurance so the state doesn’t see any lapse in coverage. It is very important to keep your auto insurance policy active for the state required duration. If you let this policy lapse the state will require you to start coverage again and your required duration will start over again.
To find affordable non owner SR22 insurance shop online to get the best price available. You can get multiple quotes from the leading insurance companies in just minutes. Remember you need a non owner auto insurance policy that includes an SR22 filing.
