Information about how to get SR22 Insurance Illinois Quotes under $7/month
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If you are looking for cheap SR22 Insurance in Illinois, you have come to the right place. Thousands of motorist, just like you, are enjoying affordable auto insurance by comparing SR22 insurance quotes online and saving up to $450! By completing our 2 minute easy to use form, you can get access to free no-obligation quotes from the nation’s top insurance companies, as well as local specialists. What are you waiting for?
In case you are wandering what is SR22 anyway, here is a quick explanation.
What Is an SR22 Insurance?
The Financial Responsibility Insurance is simply a tool the state uses to monitor drivers with less then perfect record and ensure they have a valid auto insurance. Basically, your insurance companies is required to file a SR22 Form to the Secretary of State. By doing this, your insurer confirms that you have purchased a policy in compliance with the State minimum car insurance requirements.
In case you are not familiar, the minimum limits in Illinois are:
- $20,000 for one person killed or injured
- $40,000 for two or more persons killed or injured
- $15,000 for property damage
Don’t forget that these limits are quite low and are rarely enough should you need to make a claim. Every experienced insurance professional would recommend you to go for higher limits and consider adding additional cover to your policy. Having uninsured motorist protection is always a good idea.
Who is required to have SR22 Insurance in Illinois?
By far, the most common reason why motorist in Illinois must have SR22 Insurance is DUI. Its a serious offence which will get your license suspended and you will have to pay a fine too. Another reasons is violating the mandatory car insurance law repeatedly. Regardless of the fact that some people do not see driving without insurance in Illinois as a crime, it is in fact against the law. If you are stopped and checked by a police officer, you should be able to show a proof of financial responsibility.
How long do the authorities in Illinois required SR22 Insurance for?
The period during which you may need an SR22 insurance Illinois is 3 years. If you let your insurance lapse during that period, your insurance company is required by law to submit a SR26 form to the authorities. Such a notification means that your license will be suspended and you will not be able to legally drive your car.
Of course, what SR22 means is that insurance companies will automatically put you in the “high risk driver” category. Undoubtedly, your insurance premiums will go up. Depending on your record and reason for having to have Illinois SR22 insurance, some companies may decide to cancel your policy. If you want to save money and avoid paying over the top for your auto insurance, you must compare quotes from different insurers. The difference in price is often unbelievable. Its because each insurance company uses different formulas to calculate premiums and often puts emphasis on different factors like gender, age, type of vehicle, place of residence, credit rating and profession.
In order to find the right policy for you, which will give you the cover you need for the lowest possible price, you must compare quotes from at least 3 different companies. Fortunately, this process only takes a couple of minutes now by completing a simple online form. Its fast, easy and secure.
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