You may never need an SR22 if you keep your auto insurance up to date, obey traffic laws and never drink and drive. However, if you run into trouble while driving in Stockton, you may find that the court requires you to obtain SR22 insurance. Strictly speaking, an SR22 is not an insurance policy. It is, in fact, a certificate of financial responsibility filed with the CA DMV by your insurance company.
Who Needs to File an SR22 Insurance Certificate in Stockton?
Most states require drivers to file a certificate with the DMV if they:
- Have been convicted of a DUI
- Have too many points on their driving record
- Have been ticketed or involved in an accident without insurance
- Have a suspended or revoked drivers license
While these requirements vary by state, SR22 policies must be state-approved and must meet the minimum liability requirements established by the state. In California, when a certificate is filed with the DMV it will remain on file for a minimum of three years.
How Much Does SR22 Insurance Cost in Stockton?
Insurance cost varies based on the type and amount of coverage the driver needs. Most insurance companies that offer SR22 policies charge a small fee to file the form with the DMV, but the primary cost of the policy is simply the cost of the premiums for insurance. Rates also vary based on the insurance provider. Some companies do not provide SR22-compliant coverage, and other companies charge exorbitant rates for this type of insurance.
However, low-cost policies are easy to find if you know where to look. You could spend a day gathering quotes from several insurance carriers, or you could make just one call to Breathe Easy Insurance Solutions at 866.822.7755. Our customer service representatives work long and hard to find the lowest rates for SR22 coverage in the state of California. Breathe Easy Insurance Solutions provides free quotes 24 hours a day to drivers like you. Our friendly, non-judgmental representatives will work with you to secure a cheap policy that will fulfill all state requirements and get you behind the wheel once again.
Filing Your SR22 Insurance Certificate in Stockton
When you work with Breathe Easy Insurance Solutions, filing your SR22 is as easy as it gets. After you get your free quotes, choose the policy that fits your budget, and that is all you need to do. Your Breathe Easy Insurance Solutions representative takes care of the rest. Our representatives will file a digital copy with the DMV, meaning it only takes 15 minutes to get filed once you secure your qualifying policy. Once your file is accepted, you can then visit your local DMV office to get your driving privileges reinstated. Be sure to never allow the policy to expire or get canceled, as if it is your insurance carrier is obligated to notify the DMV. If you have additional questions about SR22 coverage, call 866.822.7755 and speak with one of our helpful representatives.
Resources for Stockton
The city of Stockton was founded in 1849 and incorporated in 1850. Stockton is located in San Joaquin County on the banks of the San Joaquin River.
After you call Breathe Easy Insurance Solutions for your free quotes, select your policy and then your agent will file your SR22 with the California DMV. Once your certificate is accepted, you can visit your local DMV office to reinstate your driving privileges.
The Stockton Police Department is located at 22 E. Market Street in Stockton. You can take care of several tasks through the Stockton Police Department website, such as paying a traffic citation, getting a traffic accident report, filing a police report and viewing a crime report map.