It can be easier than you think to put the brakes on high auto insurance rates for DUI offenders requiring an SR-22 or FR-44. As an independent agency, Serenity Insurance can help! We can review your policy help you find a variety of illuminating ways to save money. Here are some things you may want to consider:
• We will check several companies’ rates. This is the single most important thing you can do to get cheap SR22 insurance—and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars.
• Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.
• Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium.
• Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to check.
• Don’t assume insuring your car and home with the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Serenity Insurance specializes in selling SR22 insurance for customers with a DUI or DWI. Contact Serenity Insurance to speak with one of our experienced agents today.
To learn more about what we can offer you, call Serenity Insurance at 1-800-774-0520 or visit www.serenitygroup.com to submit a free quote request. We are the SR-22 specialists!
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