SR22 Texas Auto Insurance
Reader’s Question:
Why does my father have to buy SR22 insurance here in Texas as part of his car insurance? Please help me because I don’t really understand what this SR22 insurance is for.
Shane
Beaumont, TX
A lot of motorists are being required to buy SR22 Texas insurance for numerous reasons. In Texas, SR22 is a certificate that proves to the Department of Public Safety (DPS) that a person has car insurance. In case a person has been caught driving without insurance, he/she will be asked to buy SR22 insurance. Also, if a person got convicted for Driving While Intoxicated (DWI), he/she will be required to buy SR22 insurance. Don’t feel that it’s a total disaster if your father has to buy SR22 insurance, but it makes harder for him to get car insurance and he would most likely pay more than most motorists.
The insurance company would normally add a particular amount to the car insurance policy if a person is required to buy SR22 insurance. Your father will be considered as high risk by insurance companies so he would have to spend more for his coverage. If you feel that this is unfair, just think that your father committed a mistake and have to go through it for a certain period. If he will buy SR22 insurance, this will guarantee that he has car insurance and it will give protection for automobiles and properties. Many people are having economic problems in case an accident is caused by someone who doesn’t have insurance. So with SR22 as part of car insurance, motorists would feel the security they need against those who don’t have insurance.
What can you do to get lower rates on Texas SR22 Insurance?
1. Raise your deductible amount to the highest level you feel comfortable with, you only pay this amount when you have a claim and your carrier pays the claim
2. Clean up your credit report, most insurance carriers will check your record for your ability to pay and your premium costs
3. Clean up anything else on your driving record with defensive driving
4. Combine other lines of insurance with one company, like home and auto with the same carrier
5. Seek alcohol abuse counseling and get sober and stay that way so you can prove to your insurance carrier you are not a liability risk anymore
