2 Important Tips About Cheap SR22 Insurance When You Do Not Own A Car

If you have been convicted of driving under the influence of drugs or alcohol, driving without insurance or owe back child support, you may be considered by the state in which you live to be a high-risk driver. If that happens, your driver's license could be suspended and most states will only allow you to continue driving when you obtain SR-22 insurance, which provides more coverage than a standard policy. If you drive without the required insurance and permission to drive by the state, you could be fined or arrested, as driving with a suspended license is illegal.    

Understand the Difference Between A Regular SR-22 And A Non-Owner SR-22

It is important to note that if you do not own a vehicle, but occasionally are required to drive, you will still need to get an SR-22. Because a person who owns and regularly drives his or her own vehicle is seen as higher-risk than someone who drives less often, you should expect to pay a lot more for a standard SR-22 than you will as a non-owner. The non-owner policy is definitely an option for cheap SR-22 insurance, but there are exceptions that you should plan for.   

For example, remember that if your friend, spouse or family member in the household has a vehicle that you drive regularly, you should not opt for the non-owner policy. Frequent drivers do not have adequate protection for the vehicle they use, if they use a non-owner policy. 

Non-owner policies provide coverage to other vehicles and any passengers in either car, if the accident is found to be your fault. Your own injuries or vehicular damage will be your own financial responsibility. A standard policy will provide the same coverage for other drivers, vehicles and passengers, but will also cover up to the maximum amount for your own vehicle's damage, repair or replacement.

Know The Limitations Of Your Policy And How It Impacts Your Reinstated License

If you are like most drivers obtaining an SR-22, you are probably doing so to get a reinstated license. Therefore, you should remember that simply buying the policy is not enough to get a new license or to have the restrictions for driving removed. 

As a result, it may be necessary to consult with your attorney about getting a new license or removing the restriction for driving. You typically have three years from the time that you obtain an SR-22 to provide it to the courts, but doing so promptly is more likely to get your license reinstated faster. You should also never allow the policy to lapse, as doing so can once-again result in a suspended right to drive.          

In conclusion, driving even one time on a suspended license is a criminal offense and may results in fines or jail time. Therefore, you must have an SR-22 in place and a reinstated license before you get behind the wheel again. To find out more, speak with a business like Illinois Automobile Insurance.