A driving violation in Colorado can leave you with a tarnished record and the requirement to file for an SR22 certificate. This certificate serves as proof to the state that you carry the minimum liability car insurance in Colorado that is required. While the SR22 itself isn’t insurance, obtaining it can be a hurdle, especially in search of cheap SR22 insurance. Cheapinsurance.com will educate you with the knowledge to find options for affordable SR-22 insurance in Colorado while addressing some of the most common concerns.
Key Takeaways:
- The SR22 filing period in Colorado varies depending on the driving violation, typically ranging from one to three years.
- Gather essential information like driver’s license details, vehicle information, and proof of insurance before requesting SR22 quotes.
- Completing a state approved defensive driving course can achieve affordable SR22 insurance in Colorado.
- While there are no government assistance programs for SR22 insurance, strategies like comparison shopping and maintaining a good credit score can help reduce the cost of insurance in Colorado.
- Prioritize adequate coverage when choosing SR22 car insurance, maintain continuous insurance coverage, and strive for a clean driving record to ensure a smooth transition back to regular car insurance.
How Long Does an SR22 Requirement Last in Colorado?
The duration of affordable SR22 insurance in Colorado depends on the severity of your driving violation.
DUI or Refusal. Three years from the date your license is reinstated, or the length of your license suspension, whichever is longer.
Driving Under the Influence of Drugs (DUID). Three years from the date your license is reinstated.
Driving Without Insurance (DWI). Three years from the date you file for an SR22.
Accidents. One year from the date you file for an SR22 (may vary depending on the severity of the accident).
It’s crucial to maintain continuous SR22 auto insurance throughout the mandated period. A lapse in coverage can result in license suspension and extend the SR22 filing requirement.
What Information Do I Need to Gather Before Requesting SR22 Quotes?
Before requesting SR22 insurance quotes, gather the following information.
Driver’s License Information. Your name, date of birth, driver’s license number, and driving record details (including any violations).
Vehicle Information. Year, make, model, and Vehicle Identification Number (VIN) of your car(s).
Proof of Insurance. Current insurance policy information, including the policy number and liability coverage limits.
Can Completing a Defensive Driving Course Achieve Affordable SR22 Insurance?
Absolutely! Completing a state approved defensive driving course can lower SR22 insurance in Colorado. These courses typically cover topics like safe driving practices, accident avoidance techniques, and traffic laws.
Here’s how defensive driving courses can help.
Demonstrate Commitment to Safe Driving. Completing a course demonstrates your commitment to improving your driving habits, leading to cheap insurance.
Court-Ordered Requirement. In some cases, the court may order you to complete a defensive driving course as part of your penalty for a driving violation.
How Long Does an SR22 Stay on My Driving Record?
An SR22 filing itself doesn’t stay on your driving record. However, the underlying violation that triggered the SR22 requirement will remain on your record for a specific period depending on the violation type.
Once your SR22 filing requirement is fulfilled, you can contact your car insurance company in Colorado and request them to stop filing the SR22 with the state. Maintaining a clean driving record during your SR22 filing period will help ensure a smoother transition back to standard affordable car insurance without the SR22 in Colorado.
Are There Any Government Assistance Programs for SR-22 Insurance in Colorado?
Unfortunately, Colorado doesn’t currently offer any government assistance programs specifically for SR22 insurance. However, there are still ways to make SR22 insurance more affordable.
Shop Around and Compare Cheap SR22 Insurance Quotes. Don’t settle for the first insurance quote you receive. Compare SR22 car insurance quotes from multiple automobile insurance companies, including national carriers and regional providers, to find the cheapest insurance. Online insurance quote comparison tools specifically designed for SR22 insurance in Colorado can simplify this process.
Low Mileage Discounts. If you drive infrequently, some insurers offer mileage based discounts. Consider tracking your mileage and inquire with your insurance provider about discounts for low mileage drivers.
Payment Options. Some auto insurance companies offer discounts for paying your entire premium upfront instead of opting for monthly installments.
Limited Coverage. While not ideal, opting for the minimum required liability insurance coverage for SR22 can reduce your auto insurance in Colorado. However, remember that this provides minimal financial protection in case of a serious accident.
While facing an SR22 requirement can be daunting, it’s a necessary step to regain driving privileges in Colorado. By implementing the strategies outlined, you can find inexpensive SR22 insurance without compromising on essential coverage. Remember, the key lies in understanding your options, comparing insurance quotes, and demonstrating your commitment to safe driving habits. With a little effort, you can withstand this temporary setback and secure cheap SR22 car insurance while working towards a clean driving record.
