How to Avoid the Need for SR22 Insurance

SR22 insurance, also known as a certificate of financial responsibility, is a way for states to ensure that high-risk drivers meet the minimum liability requirements on their auto insurance. After getting a DUI or other serious traffic violation, you might need SR22 insurance to reinstate your license and get back behind the wheel. Fortunately, you can take a few simple steps to avoid facing these consequences in the first place. To help you stay safe on the road and in the eyes of your state, here’s how to avoid the need for SR22 insurance.

Don’t Drink and Drive

One of the most common causes of an SR22 requirement is a DUI charge. Drinking and driving is a serious offense that can cause a lot of damage to yourself and others. After you get a DUI conviction, most states will require you to get SR22 insurance in order to reinstate your license. You’ll have to keep up with your SR22 requirements for months or even years after the offense. Avoid the complication by always driving sober or arranging safe transportation when you go out for a drink.

Always Carry Valid Auto Insurance

Auto insurance is a necessary part of driving your vehicle. It’s important to always stay on top of your insurance requirements and to never drive with expired insurance. If you get into an accident or if an officer pulls you over when you don’t have active insurance, you’re going to get a ticket. Most states will then require you to obtain SR22 insurance so that they know you’re keeping up with your liability requirements. Start off on the right foot by maintaining an active and complete insurance policy—and always carrying proof of it in your vehicle.

Practice Safe, Responsible Driving

Even relatively minor traffic violations can add up over time. Many states work on a point system that puts points on your license for every infraction you commit. After a certain number of points, you might face an SR22 insurance requirement. When you practice safe driving every time you get behind the wheel, you avoid both major and minor violations. Make responsible driving a habit so that you never have to face the consequences that come with unsafe driving.

Safe, responsible driving is the most important step in how to avoid the need for SR22 insurance. However, even if you find yourself facing an SR22 insurance requirement, it’s not the end of the world. Serenity Group is the expert in finding affordable SR22 insurance in California, Maine, and everywhere in between. We’ll help you figure out the details of your requirement and how to best navigate the situation so that you can return to your normal life as smoothly and quickly as possible.