SR22 Non Owner
Reader’s Question:
How can I find cheap SR22 non owner insurance? I just had a car accident last night and I don’t own the car I am driving, not sure if I can obtain coverage NOW, but worth a shot I guess. I was convicted of DUI 2 years ago.
Matthew
Charleston, SC
You might find yourself required to submit an SR22 insurance certificate to get your driving privileges back since you don’t own the car you are operating. So what do you do? You can actually apply for the SR22 non-owner insurance. It is a type of insurance given to those who don’t own any vehicle but need to get their license reinstated. This type of insurance is basically just a liability coverage that ensures the state that you are financially responsible for any injuries or damages that you may cause to others in the future while driving.
If you are looking for non-owner insurance policies in South Carolina that are cheap and can be filed immediately, the best way to look for these is by browsing through the Internet The results not only give you a comprehensive explanation of what SR22 insurance is, but also point you to numerous websites that offer free quotations for insurance policies. Comparing rates between different insurance companies is easy since all you have to do is fill up the form in their website and wait for the quotations they give you. Some websites make it even easier by allowing you to fill up just one form and giving you SR22 insurance quotations from 5 or more different companies.
Another way to do this would be to approach an accredited insurance broker and leave it to him to check out and get quotations from the many insurance companies that offer affordable SR22 insurance in South Carolina. This way you can get quotations from even the companies that do not offer quotations in their website.
However, take note that having an SR22 non owner insurance coverage does not cover you when you are driving any of the following: Vehicles that you own and are registered to you, or are available for your regular use and vehicles owned by anyone you live with and vehicles that are the non-private passenger type. In this case, you may have to get yourself the SR22 insurance policy, which you can also search for using the same methods as the non-owner type.
Common types of discounts given for SR22 Non Owner insurance are:
1. Raise your deductible to the highest available, you only pay when you have a claim and your insurance pays the claim.
2. Discounts for military, AARP, credit union membership, fraternal organizations, good grade students
3. Combine other lines of insurance like your home to lower rates
4. Improve your credit score, since most insurance companies will review your score to determine premiums.
5. Take defensive driving class
6. Clean up your driving record and keep your record clean