We Shop, You Save!
SR22 Insurance Colorado
What is SR22 Insurance? Who has the cheapest SR22 Insurance in Colorado? How to get SR22 Insurance without a car? We have the facts!
Sometimes people have certain violations on their driving record that cause a judge to require them to carry Sr22 for Colorado. While this is often called SR-22 Insurance, it isn’t really an insurance policy. It’s actually something a person needs to add to their insurance policy to get a license reinstated.
What is it?
The purpose of an SR22 in Colorado is to have something on file with the state from the insurance company that verifies that a person has the proper insurance coverage. This is something that a person may need to pay an extra fee for over and above the cost of the insurance itself. It’s typically required for driver’s that have shown riskier behavior or a consistent pattern of breaking vehicular laws, not for relatively minor tickets or offenses.
“Yes, your honor..”
A judge orders a person to have SR22 insurance in Colorado in certain circumstances.
What are offenses that get you an SR22 Filing?
These can include getting into an accident without having car insurance, driving while under the influence, reckless driving, getting a new license after having previously had a driver’s license revoked or suspended or even getting a lot of tickets within a relatively short time frame.
Do I have to file the SR22?
The insurance company files the SR22. Once SR22 insurance in Colorado is ordered, it has to be purchased and maintained for a set amount of time or the driver’s license will be revoked until a new SR22 is in place to show the person is insured again.
How much is this filing?
While it isn’t free, SR22 insurance Colorado Springs providers don’t usually charge a lot for this certification. A typical fee could be about $25, which would need to be paid for each driver on the policy that needs the certification. should your coverage lapse, a new fee will need to be paid to get the SR22 back as well.
Why is SR22 Insurance in Colorado so expensive?!
The cost of the SR22 itself isn’t the only thing to consider, however, as many of the things that make this rider necessary tend to cause insurance quotes to be more expensive and a bit more difficult to find, such as driving while intoxicated, moving violations and accidents. Some insurance companies require someone that needs an SR22 to pay their insurance bill in full instead of making monthly payments before sending the SR22 to the state.
How long do I have to keep an SR22?
The length of time people need to carry an SR22 rider on their insurance varies depending on both the violation that caused the SR22 to be required and the state involved, but the average is around three years. This is also about how long any tickets, accidents or other adverse driving events stay on a driver’s record.
Colorado, for example, now has a law that states that for a first time DUI offense that didn’t cause an accident, people only need to carry an SR22 rider for the length of time their license was suspended, but for people that caused an accident or who have a previous DUI, they need to carry the SR22 for either three years or the length of time their license was suspended for, whichever is longer.
SR22 Insurance Colorado Springs
It requires a company to report to the state the status of the insurance policy. (If the policy active and paid to date.) Simply put it is the states way of making sure you maintain insurance…. If you don’t they will suspend your license.
A SR22 in the state of Colorado, when required, are typically required to be carried on your policy for three years. Required to carry a SR22 and don’t have a vehicle? You need a broad form or non-owners policy.
Need SR22 but no car?
As you can see below certain discounts are upgrades to your home, like an upgraded roof! This gives carriers peace of mind and you save because of it. Progressive Home Insurance gives huge discounts for New homes too!
Companies Offering SR22
We work with big names in the insurance industry to find you the cheapest SR22 insurance in Colorado. Some companies like Dairyland Insurance offer great rates for those that are consider ‘High-Risk’. Advantage Auto, also known as Mendota, has competitive pricing as well.
How to Get SR22 Insurance without a Car!
Get a Broadform Non-Owners Policy! It is an insurance policy that follows a driver, not the vehicle. This being the case it is typically less expensive than traditional insurance policies, in fact you can get pretty cheap SR22 insurance in Colorado with it.
With this great discount, comes certain disadvantages. With a Broadform SR22 Insurance policy, you find that full coverage options are not available.
So comprehensive and collision coverages are off the table for you, but this never would have been an option for you if you do not own a vehicle.
Let’s say you regularly borrow a roommate’s or parent’s vehicle, you are covered for liability. Even when you get your own wheels you can stay on a Broadform policy for liability if you don’t need Comprehensive and Collision.
SR22 Insurance in Colorado doesn’t have to break the bank, there are options out there.
A Free SR22?
We can help you find those companies that do not charge for the Filling financial responsibility forms. All you pay is the cost of the coverage.
Areas serviced for Colorado SR22 Insurance:
We are Experts with 30 years of experience.
Call the Authority on SR22 Insurance in Colorado.
The city and county of Denver are the capital and most populous municipality of the U.S. state of Colorado. As of 2015, Denver is also the most populous county in Colorado. Therefore the number of vehicles seen in the streets of the place are also high. These need proper certification and insurance for flawless control and execution. A DMV may require an SR-22 from a driver during the following cases:
Reinstatement: To reinstate the driver’s driving license after an uninsured car accident or another traffic-related offense, such as a DUI or Driving Under the Influence or Driving While Intoxicated.
Not Covered: In the case of being caught driving without insurance and without a license.
Damage Caused: During an at-fault accident while driving with no insurance.
Busted: While traffic tickets and/or too many tickets in a short time period are repeated.
A revoked or suspended license: An SR22 may be required for three years for conviction of driving without insurance or driving with a suspended license and up to five years for a DUI. If an SR-22 should expire or be canceled, the insurance company is required to issue an SR26 form, which essentially is the cancellation of the sr22 upon the policy being canceled.
Frequently Asked Questions
What’s a Broadform?
A Broadform insurance policy cover a specific individual, coverage is not tied to a specific vehicle. Coverage is not transferable to anyone else. Coverage that is available is liability, uninsured/ underinsured motorist bodily injury, and medical payments.
Comprehensive, collision, roadside assistance, and rental reimbursement are not available. This policy is not available in every state. A broadform policy will cover an individual while driving any personal passenger type vehicle such as cars, suv’s, and trucks. It will only cover for personal use, no commercial use or commercial type vehicles will be covered.
How long do I have to have my SR22 for?
Everyone is different when it comes to how long you need to have an SR22 for. Depending on the ticket it could be 6 months to 3 years. Some cases can end up being longer. The best place to check is the State (DMV) that is requiring you to have it.
What does a Non Owners Policy Cover in Colorado?
Coverage applies to the Named Insured while driving any non-owned vehicle. This type of coverage does not apply to any other driver than the Named Insured. Only liability coverage is offered under this type of policy.
3773 Cherry Creek North Drive # 575,
Denver, Colorado 80210, United States (US)
Phone: (303) 355-2337
121 S. Tejon, Plaza of the Rockies, Colorado Springs, CO. 80903.
Our office phone # is 719 392 4000.
Phone: (719) 404-1853
|Additional Colorado Insurance|
|Homeowner’s Insurance | Colorado|
|Auto Liability Insurance | Colorado|
|Motorcycle Insurance | Colorado|
|Durango, CO Auto Insurance|
|Insurance Grand Junction|
|Car Insurance Pueblo|
|Insurance Fort Collins|
Last Updated on by Moss Camron