When it comes to auto insurance, most drivers only know of the basic plan options: collision coverage, comprehensive coverage and liability coverage. However, there are even more options available. Depending on your circumstances and driving record, you may have either a wider expanse of choices to choose from or you may have only a limited few. For some Illinois residents, the only option may be cheap SR-22 auto insurance in Chicago. If this doesn’t sound familiar to you, you aren’t alone. Keep reading to learn more about this unique insurance plan, what it means and whether you need it.
Defining SR-22 Insurance
SR-22 auto insurance can be considered as a different kind of safety net. You carry SR-22 in addition to an insurance card to prove to your state of residence that you have the lowest level of insurance within legal limits. For the most part, SR-22 insurance is temporary, but it may be required for you to carry it. You may have also heard of it by another name: CFR, or Certificate of Financial Responsibility.
The Most Common Qualifiers
Drivers tend to qualify for SR-22 auto insurance if they’ve committed specific driving violations. In other words, you don’t need to look for cheap SR-22 auto insurance in Chicago if your driving record is spotless. Some violations that may warrant an SR-22 include driving while your license is suspended, a DWI or DUI, driving without any form of pre-existing insurance, driving recklessly and similar circumstances.
How to Apply
When you go to register for a new insurance policy, you must request an SR-22 if you need it. Your insurance company can then work with you to help you find cheap SR-22 auto insurance in Chicago for the time being. All you’ll need to supply them with is an identification number, whether it’s your state ID, driver’s license number or something similar.
If you’re on the hunt for cheap SR-22 auto insurance in Chicago, know we have the resources to help you. Contact us to learn about our auto insurance services.
