What Is an SR-22?

First and foremost, you need to understand what SR-22 insurance plans in Chicago really are. Unlike what some people may think, SR-22 isn’t an insurance policy in itself. You will still need to purchase a more traditional insurance policy, which can be costly, depending on the reason for your SR-22 order. Instead, it is simply a certification from your insurance company stating you have the required amount of insurance based on state laws.

How Much Does It Cost?

One of the biggest concerns individuals have is how much an SR-22 will cost. Because these are typically required of drivers who have major traffic violations, such as a DUI, the cost is often thought to be quite high. However, it’s not the SR-22 itself that costs a lot. The rate is based on many things including your driving record and the reason you need an SR-22.

How Long Do I Need One?

Another common question individuals have about their SR-22 insurance plans in Chicago is how long they will need to carry this additional certification. This depends greatly on the violation that triggered the order for an SR-22, as well as the state. Your court order should let you know how long you are required to have it.

If you’re ready to start browsing SR-22 insurance plans in Chicago, contact us. We can put together a quote to help you find the most affordable insurance options.

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Pay Attention to Insurance Rates

The increase in cost you will see comes from the price of your insurance policy. SR-22 insurance rates in Chicago reflect the risk you carry as a driver. It’s always best to compare rates and coverage before you make a final decision to ensure a fair price.

Review the Small Print

It may feel tedious to read through the small print on a potential policy, but this is one of the most important elements of getting the best SR-22 insurance rates in Chicago. The information in this small print may not relate directly to your rates, but these details can play a major role in how your policy works. If you don’t understand a part of this section, don’t hesitate to ask questions. The best way to ensure you get the right policy at the best price is to fully understand what you’re signing.

No one expects to need SR-22 insurance, but if you’ve been ordered to carry this certificate, it’s important to find the best rates in order to keep your costs down and drive within your reach. If you’re looking for the best SR-22 insurance rates in Chicago, contact us to learn more about what we have to offer.

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Why You May Need SR-22 Insurance

SR-22 insurance is required in the state of Illinois for certain drivers who may pose a higher risk. This can be for any of a number of reasons. Some common reasons individuals are required by the state to get SR-22 insurance include:

• DUIs

• Suspended Licenses

• Getting into several traffic accidents in a short period of time

• Getting into an accident while uninsured

• Driving without insurance

We can provide an SR-22 quote to Chicago residents after they have been notified they are required to have SR-22 insurance for any of these reasons. Doing it on your own can be a challenge, but we are standing by to help you throughout the process.

How We Can Help

It can be overwhelming to learn you need to seek out an SR-22 insurance quote in Chicago, but this is where we can offer our assistance. We have helped Chicago residents since 1973 and can offer our experience and expertise, regardless of your situation. When providing a quote, we work one-on-one with you to help find an affordable policy that meets your needs, as well as the state’s requirements. When you’re searching for an affordable SR-22 insurance quote in Chicago, come to us. We will find a solution so you can stop worrying and start living your life again.

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Comparison Shopping

As you set out on your search for an auto insurance plan in Chicago, you’re likely to come across many companies claiming to offer the lowest rates possible. You might even be tempted to choose one of those companies for the sake of convenience. After all, who wants to use up all their free time shopping for auto insurance? However, comparison shopping is important when it comes to getting the best rate possible, especially if you don’t want to lose the coverage you need just to save a little cash. Be sure to take a look at several companies and think thoroughly about not just what you can afford to pay, but what coverage you really need for your vehicle.

Work With an Independent Insurance Agency

One of the smartest things you can do when trying to find an affordable auto insurance plan in Chicago is to work with an independent insurance agency. Agencies have connections with multiple auto insurance providers, which means they can more easily compare the various plans available to find the one that best suits your needs, all without driving up your costs on auto insurance. They can even help you score special discounts or deals that may be available to save you even more money.

If you’re searching for a quality, affordable auto insurance plan in Chicago, contact Great Northern Insurance Agency either online or by phone at 773-838-3900.

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En primer lugar, debes saber que el SR-22 no es realmente un seguro de automóvil. El seguro de automóvil que te exigen, en realidad, es similar al que podrías tener antes, con la diferencia de que, en este caso, va junto a un certificado. Este certificado es el SR-22, el cual implica dos cosas:

1. Que la autoridad de tráfico te considera un conductor de riesgo.
2. Que la compañía aseguradora tiene la obligación de informar a la autoridad de tráfico si cancelas o dejas de pagar el seguro.

Estos dos puntos anteriores tienen implicaciones serías. La primera es que el precio de un seguro que requiere SR-22 es irremediablemente más alto que un seguro normal. A mayor riesgo para la compañía, mayor es el precio a pagar.

No obstante, una agencia de seguros de auto como Greatnortherninsuranceagency.com puede conseguirte cotizaciones muy competitivas para buenos seguros.

La segunda implicación es que si te han notificado que necesitas el SR-22, no debes conducir sin él bajo ningún concepto. Hacerlo conllevará sanciones económicas e incluso puedes ir a la cárcel y perder la licencia de forma permanente.

En cuanto a cómo funciona, lo más importante es saber que tienes la obligación de tenerlo durante un plazo fijo que te detallarán en la notificación. Este plazo no se puede interrumpir. Si dejas de pagar a tu aseguradora y, por tanto, se interrumpe el seguro, el plazo volverá a empezar de cero y todo el tiempo que haya pasado se perderá.

Por lo demás, funcionará como cualquier otro seguro, en caso de accidente, podrán asistirte en función de las coberturas que tengas contratadas. Deja de preocuparte y consulta ahora a un verdadero experto en seguros. Verás cómo todo es más sencillo de lo que parece.

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