SR22 insurance Arizona, AZ dui insurance

In the state of Arizona, the Department of Motor Vehicles uses a vehicle liability document known as SR22. If you are convicted of driving under the influence (DUI) or some other traffic related offense, the department may require you to obtain this document to reinstate your driving privileges.

 What is an SR22 Insurance?

The court orders you to obtain SR22 Insurance Arizona to prove your financial responsibility. If you are accused of DUI or DWI (Driving While Intoxicated), you need to obtain and maintain SR22 status for a few years.


 SR22 Certificate

Many Arizona car insurance providers are available online, which can help you reinstate your license quickly and conveniently. You can get cheap DUI insurance online by comparing the quotes of various Arizona auto insurance providers. DUI is one of the biggest factors that can violate your driving record. After being convicted of a DUI or DWI, you need to get SR22 insurance. The court may want you to complete an education program to get your license back. DUI violations carry two points with it, which can increase the cost of insurance.

However, there are some insurance companies that help you get insurance at competitive rates. You need to provide some basic information to obtain SR22 certificate. You need to carry SR22 insurance for a period of three years. If you fail to maintain the insurance, the insurance company is required by law to notify the state. Consequently, your license will be suspended.

Instant SR22 Filings

Some insurance companies do not accept drivers after a DUI conviction. However, you can find companies that accept even an insurance suspended license driver in the internet. They provide instant SR22 certificate filing to help you provide evidence of insurance to the Motor Vehicle Department Arizona. They aim to help you get your driving privileges back as quickly as possible.

It is important to choose the insurance provider carefully. Some insurers charge higher DUI insurance premiums for five years. You can however avoid this problem by choosing a reliable insurer who charges premium for only three years. All you need to do is to fill the online form provided and click on “contact me” button. A representative from the insurance company will then contact you and finalize the purchase of an insurance policy. You can have your SR22 filing within a day.

 SR22 Certificate Carrying Limits

You need to know about SR22 certificate carrying limits to avoid any problems.

  1.  SR22 is a proof of your financial responsibility and you should carry it continuously with you for a period of three years.
  2.  If the law enforcement officer stops you and asks the certificate, you should show it to him.
  3.  If your policy expires or is disregarded, your insurance provider should inform the state without delay and your driving license will be suspended once again.
  4.  The status of SR22 certificate expires, once you fulfill the three year period properly.


SR22 Affect Insurance Premium

If you are caught by the police for driving under the influence, you need to obtain SR22 insurance to restore your driving privileges. Though SR22 itself is not costly, it can affect the rate of your insurance premium, which makes it expensive. Having an SR22 certificate signals the insurers that you are a problem driver. This will be reflected in your insurance premiums. An SR22 usually increases your premiums from 14 to 40%. It is mandatory to obtain and maintain this certificate.
In order to reduce your premiums, you need to find a reliable company that accepts drivers after DUI convictions.