hardship license, cheapest auto insurance, best insurance rates, sr22, non-owner, no car, sr-22

5 Ways to Find the Right Auto Insurance Coverage on a Budget

5 Ways to Find the Right Auto Insurance Coverage on a Budget

5 Ways to Find the Right Auto Insurance Coverage on a Budget – Finding cheap Auto Insurance in  your state that gives you cover you need isn’t easy, especially with so many car insurance companies around. They may tell you theirs is the cheapest car insurance around, but is it the best car insurance for you?

At Select Insurance Group, you could get the cover you need for a lot less than you’d expect to pay simply by shopping your coverage with over 15 carriers. And don’t just take our word for it. *You can quickly see what our customers said they saved by switching to Select Insurance Group.

Now, compare auto insurance quotes online with Select Insurance Group (we can give you an insurance quote online in just three minutes) and see just how much you could save.

If you’re serious about getting a cheap auto insurance quote with some great policy options, get a car insurance quote online from us today.

Here are some tips for saving money on your auto insurance:

  1. Shop around. A Trusted Choice® independent insurance agent like Select Insurance Group can help you get quotes from multiple insurance carriers to make sure you are getting the best rates available.
  2. Bundle your policies. Most insurance companies offer discounts if you purchase more than one policy from them. And the more policies you have (homeowners, car, boat, motorcycle, personal umbrella, etc.), the greater your discount.
  3. Maximize discounts. Insurance companies usually offer a wide variety of discounts, such discounts for multiple policies, safe driving, and good students. Your agent will work with you to ensure that you receive any discounts that you qualify for.
  4. Keep a clean driving record. Traffic violations have a negative impact on your insurance rates. Avoiding tickets and accidents keeps your rates down, and many insurance companies offer additional discounts for people with clean driving records.
  5. Choose higher deductibles. The higher the deductible, the lower the premium. If you think you will have enough cash to cover your deductible if you have to file a claim, consider a higher deductible to lower your rates.
non-owner car insurance, non-owner sr22 insurance,cheapest sr22 rates, best SR22 auto quotes, Best SR22 Rates, Cheapest SR22 Policy, How to get an SR22, SR22 Questions, SR22 Form, The General, State Farm, Allstate, American Family, USAA, Farm Bureau

Getting The Cheapest California SR22 Insurance

Getting The Cheapest California SR22 Insurance

Getting The Cheapest California SR22 Insurance – There are several ways to obtain cheap SR22 in California but sadly, most people do not know about this. Most people think that their present SR22 is already the best deal. Their insurer is not the only provider of SR22 insurance so when they get to say they already have the best deal, they might be totally wrong.

Most people always fail to shop for quotes

Most people think that it would only take so much of their time when they shop around. But in our digital world, shopping for SR22 would only take a matter of minutes. You will just only be required to answer a questionnaire and submit it online. In an instant you will already be given several SR22 quotes from different insurers based on the information that you have submitted. Shopping for quotes online could really save so much of your time and effort.

Do not fail to compare your quotes for SR22 once you have gathered them.

You actually have a couple of options to find inexpensive rates. You may visit each website of an insurance company or go directly to and compare your quotes in this have-it-all site, an SR22 comparison website. Compare carefully all the quotes that you have gathered including your present coverage and see which insurance offers, if not the best, better deal than your present coverage.

After shopping and comparing online, buy directly your preferred SR22 quote online. Buying an SR22 policy online allows you to get discounts from insurers. Hence, buying online is a great way to save not only your time but also your money as well.

Cheapest Colorado Non-Owner SR22

Getting Cheapest Colorado Non Owner SR22

Getting Cheapest Colorado Non Owner SR22Cheapest Colorado Non Owner SR22 Insurance


The State of Colorado requires an SR22 filing after the following offenses:

  • DUI
  • Refusal to submit to a BAC test
  • Under 21, any conviction of alcohol/drug use while driving
  • Operating without liability insurance
  • Vehicular assault
  • Vehicular homicide
  • Using a motor vehicle in a felony
  • Failing to stop and render aid
  • Perjury of false affidavit or statement
  • Vehicle theft or criminal mischief causing damage to a vehicle

Getting Cheapest Colorado Non Owner SR22 – How To Get A Colorado Non-Owner SR22 Policy – If you are required to file an SR22 form with the Colorado DMV, and you do not own a vehicle, you may need to purchase a non-owner SR22 insurance policy. This type of SR22 insurance will cover other vehicles and their drivers in the event of an accident. It will not cover you or the vehicle you are driving.

Colorado Non-Owner SR22 Insurance and Ignition Interlock Law

The State of Colorado requires DUI offenders who had a BAC of 0.17 or higher to install an ignition interlock device in any vehicle that they drive. Colorado restricts these drivers to 2 years of interlock driving.
If you have an ignition interlock requirement for this reason, you will not be able to buy a non-owner SR22 insurance policy, because you will need to own a vehicle in order to fulfill the interlock requirement.

How to Get Colorado Non-Owner SR22 Insurance

Colorado requires drivers to keep an SR22 on file for up to three years, so it is important to find a rate that you can live with. If your SR22 is canceled at any time, your driver’s license will likely be suspended. If you are planning to change SR22 insurance companies, be sure to get your new non-owner SR22 on file before the current one is canceled. You can begin the rate comparison process by entering your Colorado zip code here:

For More Information:
For more information about Colorado non-owner SR22 insurance, visit the Colorado Department of Revenue or call 303-205-5613 (303-205-5940 TDD).

Colorado DUI First Offense

Colorado DUI

A person who gets arrested on a first offense DUI charge in Colorado will be charged in one of two ways. The first is if that person’s blood alcohol concentration, or BAC was .08% or greater, they will be charged with the offense of DUI. The second way a person may end up facing a drunk driving charge is if they are stopped and found to have a BAC level between .05% – .079% they will be charged with DWAI, or driving while ability impaired.

Colorado Administrative Drivers License Hearing

Upon being arrested for a first offense DUI charge in Colorado the arresting officer will immediately confiscate your driver’s license and issue you what is called a “Notice of Suspension” warning. This notice will function as your temporary driver’s license for the next 7 days.

Important: It is very important to note that you only have 7 days from the date that is noted on your “Notice of Suspension” warning in which to request an administrative driver’s license hearing with the DMV if you wish to avoid the pending suspension of your driver’s license. We strongly urge you to contact a Colorado DUI lawyer who has experience representing clients at DMV hearings if you hope to have a successful out come at your hearing.

The purpose of the administrative hearing at the DMV is for the DMV hearing officer to review the information that has been provided by the arresting officer against you to determine if in fact you were in violation of driving under the influence and your driver’s license should be suspended by the DMV. You and your lawyer will also be given the opportunity to present any evidence that you have gathered in your favor that refutes the officer’s evidence.
The hearing is also a great opportunity for your lawyer to listen to and challenge the arresting officer’s testimony as part of preparing your case for your day in court. Remember, the DMV administrative hearing is purely to deal with the potential suspension of your driver’s license and has nothing to do with the pending criminal case you will face in court.

Colorado First Offense Penalties

First time offenders will be faced with a minimum fine amount of $300 plus all associated court costs, up to a maximum fine amount of $1,000 plus all associated court costs. The court does have the discretion to impose a large fine amount if it is determined to be necessary.
Jail Time
A first time DUI offense will result in a minimum jail sentence of 5 days up to a maximum of 5-years. The length of jail time beyond the minimum will depend partly upon the circumstances surrounding your case such as any injuries to others, minor in the vehicle at the time, or property damage. These are just several examples of how a person’s jail sentence may be extended by the court.
Drivers License Suspension
If the DMV upholds the officer’s suspension of your license you will be facing a 3 month suspension period from the DMV. First time offenders may apply for a restricted license through the DMV after serving the first 30 days of the suspension period. If you refused or did not successful complete any part of the chemical testing your license will be suspended for 1-year and you will not be eligible to apply for a restricted license anytime during the 1-year period.
In order to reinstate your license following your suspension period or before the DMV grants you a restricted license you will be required to show proof of financial responsibility to the DMV in the form of an SR-22 form filing by your Colorado SR22 insurance provider. You will have to maintain yourSR22 filing status with the DMV for a period of 3-years from the date of reinstatement.
Ignition Interlock
First time DUI offenders who registered a BAC of .17% or greater will be required to have an ignition interlock device installed in their vehicle for a minimum of 2-years following the reinstatement of their driver’s license.
Community Service
All first time offenders will also be required by the court to serve a minimum of 48 hours of community service up to a maximum of 96 hours.
Chemical Test Refusal
As noted above in the Drivers License Suspension section, anyone who refuses to submit to a chemical test or fails to complete the chemical test will have their license suspended for a period of 1-year with no chance of receiving restricted driving privileges during that time.
Alcohol Education Class
All first time offenders will be require to attend and successfully complete an approved Colorado alcohol education class.

Colorado SR22 Insurance Information & Quotes

All first time DUI offenders in Colorado will be required to perform an SR22 filing with the Colorado Department of Motor Vehicles. The SR22 is basically a form that your insurance provider will file with the DMV on your behalf.
The SR22 is real just a rider or attachment to your high-risk auto insurance policy that states that your insurance provider is obligated by law to inform the DMV if there is ever a lapse in your insurance coverage during the 3-year filing period. to insure that you avoid a potential lapse in your SR22 insurance coverage it is important for you to get multiple quotes from various insurance companies in your area who offer SR-22 filings with the DMV.

Colorado SR22 Insurance Filing Information & Quotes

Colorado SR22 Insurance Filings

If your Colorado driver’s license has been suspended or revoked because of a DUI or related offense, you will need to file an SR22 form in order to get your license reinstated. This means that you will need to find an insurance company that offers Colorado SR22 insurance.

The length of one’s Colorado SR22 requirement depends on the offense:

DUI Offense Length of SR22
1st Offense DUI or Per Se with no other alcohol convictions or revocations 3 months
2nd Offense DUI or Per Se 3 years
3rd Offense DUI or Per Se 3 years
DUI or Per Se involving an accident 3 years
1st Offense Refusal to Submit 1 year
2nd Offense Refusal to Submit 3 years
3rd Offense Refusal to Submit 3 years
Refusal to Submit with any prior alcohol conviction 3 years
Refusal to Submit involving an accident 3 years
2nd Offense Under 21 Per Se 6 months
3rd Offense Under 21 Per Se 1 year
Under 21 DUI or DWAI 1 year
Under 21 DUI or DWAI involving an accident 3 years
2 alcohol violations within 5 years 3 years
3 alcohol violations in lifetime 3 years

How to Get Colorado SR22 Insurance

SR22 insurance doesn’t have to be a long and complicated process. Let us help you. We have partnered with the top SR22 insurance providers in Colorado to make this process as quick and simple as possible for you. We are able to quote every company that offers SR22 insurance in Colorado and give you the lowest rate possible while saving you the hassle of calling multiple insurance providers to get the same quotes. To get started, simply enter your information below and press “submit”:

How to Get Your Colorado Driver’s License Reinstated

In order to reinstate your Colorado driver’s license after a DUI suspension / revocation, you will need to buy SR22 insurance. Then, complete an Application for Reinstatement. Then mail your application, your SR22 form, and a $95 reinstatement fee to the DMV.
It can take 20 business days to process a reinstatement, so you will want to begin the process before your suspension / revocation period is over. The DMV will mail you a letter of clearance when your reinstatement is complete. You can then apply for a new license. You may need to retake your written, vision, and road tests.
If your BAC was 0.17 or higher, you will also be required to complete a Level II alcohol education and therapy course before reinstatement.

Colorado Ignition Interlock Laws

You may be eligible for early reinstatement with ignition interlock if:

  • This is your first DUI / Per Se offense and you have served at least 30 days of your suspension. You would then be restricted to interlock driving for 8 months.
  • Your license has been revoked for a DUI / Per Se and you have already served at least 1 year of your revocation.
  • To inquire about early reinstatement with interlock, call Driver Services at 303-205-5613.

There is also a mandatory 2-year interlock requirement in the following cases:

  • First offense with a BAC of 0.17 or higher (2 years)
  • Second offense DUI within 5 years (2 years)
  • Second offense Per Se in lifetime (2 years)
  • Third offense DUI or Per Se in lifetime (2 years)
  • Habitual Traffic Offender with one alcohol-related driving offense after 7/1/2000 (4 years)
  • Second offense Refusal to Submit (1 year)
  • Third offense Refusal to Submit (2 years)

Click here for a list of approved Colorado ignition interlock vendors.

For More Information: call the Colorado DMV at 1-800-777-0133 (TTY 1-800-368-4327)

What is Florida SR22s insurance? How to get it cheap?

What is Florida SR22s insurance? How to get it cheap

What is Florida SR22s insurance? How to get it cheap

What is Florida SR22s insurance? How to get it cheap – Most people who have never had a run in with the law when it comes to traffic law violation probably have no idea of the nature of a SR22s. A SR22s is a document draw up by an insurance company as an assurance to any interested parties, (for instance; courts, other parties’ auto insurance companies and department of motor vehicles in any state), that the carrier of the document is financially capable of meeting any liabilities that may arise in the event of an auto accident in which they are victims.

Continue reading

Can a person who has no vehicle have an SR-22 requirement?

Can a person who has no vehicle have SR-22 ?

Can a person who has no vehicle have SR-22 ?

Can a person who has no vehicle have SR-22  ? SR-22 requirement can be a very complicated and confusing issue. And for people who have had one in the past and suddenly find that they do not have a car it can be even more confusing. The obvious question would be why would someone who does not have a motor vehicle need proof that they can meet financial obligations for a car accident they may never cause since they do not have a car? Let us try and untangle this mess and try to understand if one would need a SR-22 if they do not have a car.

Continue reading