Before going into more information related to suspension periods, SR22 fees, prices and other requirements, it is good to understand what SR22 actually is. Wrongly, a large number of drivers presume that SR22 is a unique type of insurance cover they must buy. Actually, what SR22 insurance really refers to is simply a proof of insurance.
All you have to do is instruct your insurance company to file a form to the DMV, which declares that you have the demanded car insurance coverage. A Non Owner SR22 auto insurance is required when you should present a proof of insurance coverage but you do not have a motor vehicle.
In South carolina, SR22 insurance is requested for a period of 3 years, typically commencing from the end of the suspension period. In case you acquire a provisional license, SR22 insurance will also be needed for six months. The suspension period is determined by the prior conviction. For Driving Under the Influence:
First Offence - six months
2nd Offence - 1 year
Third Offence - two years
If you have committed 4 or far more violations, your drivers license will be suspended. For a felony Dui you will lose your driving license for three years in addition to time served in jail.
For driving without insurance the suspension period is 30 days. If you are driving a car even though suspended, a new suspension period will be added and it might be from 30 days, or the length of the first suspension, up to 3 months.
BIL -Bodily Injury Lability - $25,000 per person and $50,000 per accident
Property Damage Liability (PDL) - $25,000 per accident
Don't forget that there are additional elements in play, when vehicle insurance prices are calculated, like the make and model of your vehicle, your credit score and place of residency. You could take a defence driving course and demonstrate that you are a cautious driver. Driving less and making use of the public transport will cut your early mileage and auto insurance cost also.
However, the easiest and most effective thing you can possibly do is to compare SR22 insurance quotes on the net. In under a couple of minutes you will obtain quotes from several insurance companies. The difference in price is frequently surprising. You can even save up to $450!
In South carolina, SR22 insurance is requested for a period of 3 years, typically commencing from the end of the suspension period. In case you acquire a provisional license, SR22 insurance will also be needed for six months. The suspension period is determined by the prior conviction. For Driving Under the Influence:
First Offence - six months
2nd Offence - 1 year
Third Offence - two years
If you have committed 4 or far more violations, your drivers license will be suspended. For a felony Dui you will lose your driving license for three years in addition to time served in jail.
For driving without insurance the suspension period is 30 days. If you are driving a car even though suspended, a new suspension period will be added and it might be from 30 days, or the length of the first suspension, up to 3 months.
South Carolina SR22 Fees and Auto Insurance Requirements
The reinstatement fee is $100 for each and every suspension. In rare cases a larger amount may well be required. The bare minimum limits that you have to buy auto insurance cover are:BIL -Bodily Injury Lability - $25,000 per person and $50,000 per accident
Property Damage Liability (PDL) - $25,000 per accident
Finding Cheap SR22 Insurance in South Carolina
Generally, besides the reinstatement payment, having to have a proof of insurance coverage in Sc means excessive car insurance rates. Many insurance providers will certainly put you in the "high risk driver" group and it isn't hard to determine that higher risk means higher monthly costs. However, you should not just accept the fact that for 3 years you have to pay too much for SR22 insurance.Don't forget that there are additional elements in play, when vehicle insurance prices are calculated, like the make and model of your vehicle, your credit score and place of residency. You could take a defence driving course and demonstrate that you are a cautious driver. Driving less and making use of the public transport will cut your early mileage and auto insurance cost also.
However, the easiest and most effective thing you can possibly do is to compare SR22 insurance quotes on the net. In under a couple of minutes you will obtain quotes from several insurance companies. The difference in price is frequently surprising. You can even save up to $450!
Find out more information about Auto Insurance for High Risk Drives
