Does Bristol West Have SR-22 Insurance?
Bristol West offers affordable SR-22 insurance policies for many drivers with traffic violations. Here are more details!
Written by Zachary Morgan
Reviewed by Brittni Brinn
If you’ve been deemed a “high-risk” driver in the aftermath of a major traffic violation, you’ll probably need to file an SR-22 to get your driving privileges back. Luckily, you should be able to find the coverage you need through Bristol West.
If you need to file an SR-22 with the state DMV in order to get your driving privileges back after a violation, there’s no getting around the fact that your insurance costs are going to increase significantly. However, you can still make sure you’re getting the best possible rate by comparing quotes from multiple different
car insurance
providers. With that being said, let’s take a closer look at how Bristol West can help with your SR-22 requirement.
Does Bristol West offer SR-22 insurance?
As a matter of fact, they do! In spite of your “high-risk” classification, Bristol West can help you get insurance coverage and will even
file your SR-22 form
for you. The DMV usually levies a small fee during this transaction, but most of the time it only costs between $15 and $25 for Bristol Auto to submit your paperwork and activate your SR-22 coverage.Your state’s
minimum liability insurance requirements
will be automatically included in your SR-22 policy, along with any other coverages required by the DMV. If you’re the proud owner of a luxury vehicle and want to add collision
and comprehensive insurance
, Bristol West allows you to purchase a full-coverage policy to go with your SR-22 certificate.In most circumstances, your SR-22 needs to stay on file and up to date for three years to prevent you from losing your driving privileges again. Once that time is up, you can either cancel your Bristol West coverage or pay for a new policy at a much better rate.
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What is an SR-22 for car insurance?
It might be frequently referred to as “SR-22 insurance,” but this is a bit of a misnomer. An SR-22 isn’t actually a type of car insurance coverage, but rather a certificate of financial responsibility given to the DMV by your insurance provider in order to ensure that you are meeting the state’s minimum liability insurance requirements.
Certain major violations—like a reckless driving charge or a
DUI/DWI conviction
—will require the filing of an SR-22. Other violations can include driving without a driver’s license
or while uninsured
, or if you have a record of repeated at-fault accidents. Does Bristol West offer non-owner SR-22 insurance?
They sure do! If you don’t own a vehicle but still need to file an SR-22 after a license suspension, you can get
non-owner car insurance
through Bristol West. For the most part, filing an SR-22 is the only way to get your driving privileges back after a major violation, which means that obtaining non-owner car insurance is a great way to save money if you don’t have a car.Does Bristol West have FR-44 insurance?
If you live in one of these two states and need an FR-44, you can expect extra coverage requirements. Case in point, Florida drivers are not legally required to purchase
bodily injury liability insurance
because only property damage liability
is mandated by state law. Regardless, FR-44 insurance policies require that drivers carry a minimum of $100,000 per person and $300,000 per accident of bodily injury liability coverage. How much does an SR-22 from Bristol West cost?
The specific cost of your Bristol West SR-22 policy has to do with a number of factors—including the reason for the SR-22, your chosen coverage options, where you live, and the usual factors like your age and gender.
Most drivers with Bristol West SR-22s only pay about 10 to 15% more for their policy than drivers with
clean records
. For more serious violations—especially DUIs—you can expect your car insurance rates to go up significantly (by as much as 200% or more). You’ll also pay extra if you buy more than the minimum insurance threshold or if you live in a state like Michigan
with steep minimum coverage requirements.Which insurance company has the cheapest SR-22 coverage?
Sure, Bristol West is an affordable option for high-risk drivers, but the steep cost of SR-22 insurance makes it important to compare quotes from several different insurance providers. You might be able to get a significantly better rate from a competing insurance company like
GEICO
, Progressive
, or Nationwide
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