When you make a mistake, and you find out you’re in need of an SR22 in Idaho, the process can seem daunting and confusing. The biggest question is about the expense. How much is an SR22 going to cost me in the state of Idaho? We get this a lot here at Eric Johnson Insurance, and its the number one concern for most of our clients looking for SR22 Insurance in Idaho.
We’ve put together a How-To Guide on finding the cheapest SR22 Insurance In Idaho. This will answer your questions and help guide you on the process. Make sure to give us a call as you go, just to make sure you’re on the right track, and that we can answer any questions for you.
Step One: Understand SR22 in Idaho:
Make sure you know what you’re getting and why. See our SR22 in Idaho page for lots of details, but this is the basic information you need to know before finding the cheapest rate. The SR22 is usually required for three years in Idaho. This in particular is reason to find someone you trust with expertise to help you get the best policy and rate. SR stands for Safety Responsibility. Its a signed contract between the state of Idaho and your insurance company that proves to Idaho you are fully insured.
Step Two: Look For The Right Kind of SR22 in Idaho:
First, are you the owner of the car? There are two types of SR22, one for the actual owner of the car, and one for a non-owner in Idaho. Make sure you start looking for the right kind.
Non owner Idaho SR22 insurance allows the named insured driver to drive any motor vehicle that they are given permission to drive. If you purchase a Idaho non-owners SR22 insurance policy, make sure you do not drive any vehicle you have not been given express consent to drive and ensure that the vehicle in question is insured by the owner.
An Idaho SR22 non-owners insurance policy is a great way for drivers who do not own a motor vehicle and who may not have regular access to a motor vehicle to meet the states drivers license re-instatement insurance requirements. Purchasing non-owners liability coverage will enable drivers to satisfy the states SR22 insurance requirements without owning a vehicle.
There are three types of Idaho SR22 certificates available:
- Idaho SR22 Operators Certificate:
This covers the driver for the operation of any non-owned vehicle they have been given permission to drive.
- Idaho SR22 Owners Certificate:
This covers the driver to drive any vehicles owned by the driver. The certificate may be issued with the details of the make and model of the drivers automobile or it may cover any vehicle owned by the driver.
- Idaho SR22 Operators-Owners Certificate:
This covers any vehicles owned by the driver and any vehicles that are not owned but the driver has been given permission to drive.
Step Three: Make Some Calls To Idaho Insurance Companies
You will get the best rates by making some calls and answering some questions. Idaho insurance companies want your business, and they will do what they can to offer you the most competitive, cheapest SR22 insurance they can. Remember, you are a high-risk driver to them, so the rates can only be so cheap. But, they may be able to offer you discounts depending on other factors like if its a business car, the type of car and more. Don’t forget that The minimum mandatory liability insurance coverage required in the state of Idaho for private passenger vehicles is (25/50/15). This equates to the following liability coverage:
- $25,000 bodily injury liability (BIL) per person
- $50,000 for two or more people in one accident
- $15,000 property damage liability (PDL) coverage
You can’t get around that. The process to finding the cheapest SR22 Insurance is really a time-consuming process, but it can be done if you’re wiling or you can head on over to our quick quote, and we can offer you same-day filing and the cheapest sr22 insurance rates in Idaho. We really want to help you find affordable coverage, so you can move forward and get back to driving safely and legal.