What is Pueblo SR22 Insurance?

Pueblo SR22 insurance refers to a specific type of auto insurance that is required for individuals who have been involved in serious traffic offenses or violations in Pueblo, Colorado.

The SR22 insurance is a form that is filed with the state’s Department of Motor Vehicles (DMV) to demonstrate that a driver has the minimum required liability insurance coverage.

Company	Average (SR22 Fee)
Assurance America	$25
Bristol West	$35
Dairyland	Free
Gains Co	$25
Mendota	$25
Progressive	5% (average)
State Farm	SR22 Not available
The General	$25
Travelers	SR22 Not available

Cost of Pueblo SR22 INSURANCE

CARRIER WHO FILE SR22	COST MONTHLY
Dairyland	$90
Mendota Ins. Company	$93
The General	$94
National General	$110
Progressive Insurance	$111
Acceptance RTR	$115
AssuranceAmerica	$115
USAA	$117
Geico	$118
Bristol West	$132
Farmers	$135
21st Century	$139
State Farm	$143
State Auto	$154
Nationwide	$157

The SR22 insurance requirement is typically imposed on drivers who have committed offenses such as driving under the influence (DUI), driving without insurance, multiple traffic violations, at-fault accidents, or driving with a suspended or revoked license.

Violation Name	Major, Minor, or Non Moving	How Long it Will Affect Your Insurance Rates
Driving without a License	Major	3 Years
Failure to maintain Clear Distance (tailgating	Minor	3 Years
DUI	Major	10 Years
Failure to Stop for a Pedestrian Side walk	Minor	3 Years
Using a Cell Phone with Driving	Minor	3 Years
Failure to Secure Load to truck/trailer	Minor	3 Years
Reckless Driving	Major	5 Years
No Proof of insurance	Non Moving	NA*
Non-At-Fault Acccident	Minor	NA*
Improper Lane use	Minor	3 Years
Running a Traffic Light or Stop Sign	Minor	3 Years
Parking	Non Moving	NA*

These offenses are considered high-risk by the authorities, and the SR22 insurance requirement is intended to ensure that drivers maintain continuous coverage and take financial responsibility for their actions.

By obtaining Pueblo SR22 insurance, drivers provide proof to the DMV that they have the necessary liability coverage. Liability coverage protects against the financial burden of injuries or property damage caused by the insured driver. It provides compensation to the affected parties if the insured driver is found at fault in an accident.

How long do I need Pueblo SR22 Insurance?

Pueblo SR22 insurance is typically required for a specific period, which is determined by the DMV based on the offense committed. During this time, the driver must maintain continuous SR22 coverage without any lapses. Failure to comply with the SR22 insurance requirement can result in penalties such as license suspension or revocation.

TYPICALLY 1 TO 3 YEARS

It’s important to note that SR22 insurance is not a separate policy but rather an endorsement or filing added to an existing auto insurance policy. The SR22 form is filled out by the insurance provider and submitted directly to the DMV on behalf of the insured driver.

Pueblo SR22 insurance is a mandatory requirement for individuals who have committed serious traffic offenses in Pueblo, Colorado. It serves as proof of liability coverage and ensures that drivers take financial responsibility for their actions. By maintaining continuous SR22 coverage, drivers can fulfill the legal obligations set by the DMV and regain their driving privileges.

Non-Owners Pueblo SR22 Insurance?

Non-Owners SR22 insurance in Pueblo is a specific type of SR22 insurance designed for individuals who do not own a vehicle but still need to meet the SR22 insurance requirement.

This type of insurance provides liability coverage for drivers who occasionally use vehicles that they do not own, such as rental cars or borrowed vehicles.

Here are some key points to understand about Non-Owners SR22 insurance in Pueblo:

1. Coverage for Non-Vehicle Owners: Non-Owners SR22 insurance is specifically tailored for individuals who don’t own a car but still require SR22 insurance. It provides the necessary liability coverage mandated by the DMV for these drivers.
2. SR22 Filing: Like other SR22 insurance types, Non-Owners SR22 insurance requires the filing of an SR22 form with the Colorado DMV. The insurance provider submits the SR22 form on behalf of the insured driver to prove compliance with the SR22 insurance requirement.
3. Liability Coverage: Non-Owners SR22 insurance primarily offers liability coverage. This coverage helps protect the insured driver financially if they cause injuries or property damage while driving a vehicle they do not own. It typically includes both bodily injury liability and property damage liability coverage.
4. Limited Coverage: It’s important to note that Non-Owners SR22 insurance does not provide coverage for the vehicle itself. It only covers the insured driver’s liability in the event of an accident. Any damage to the vehicle would typically be the responsibility of the vehicle owner’s insurance policy.
5. Rental Cars and Borrowed Vehicles: Non-Owners SR22 insurance is especially useful for individuals who frequently rent cars or borrow vehicles. It ensures that they meet the SR22 insurance requirement while using these vehicles, providing liability coverage in case of accidents or damages.
6. Flexibility: Non-Owners SR22 insurance offers flexibility since it is not tied to a specific vehicle. Drivers can switch between different vehicles as needed without the need to update the insurance policy for each vehicle change.
7. Cost Considerations: Non-Owners SR22 insurance generally tends to be more affordable compared to traditional auto insurance policies because it offers limited coverage. However, the cost may vary depending on factors such as the driver’s record, age, and the amount of liability coverage required.

When seeking Non-Owners SR22 insurance in Pueblo, it is recommended to contact insurance providers that specialize in SR22 insurance. They can help determine the appropriate coverage and assist with filing the SR22 form to ensure compliance with the DMV requirements.

Overall, Non-Owners SR22 insurance in Pueblo is a practical option for individuals who do not own a vehicle but still need to fulfill the SR22 insurance requirement. It offers liability coverage for drivers using rental cars or borrowed vehicles and provides the necessary proof of insurance to maintain driving privileges.

Dairyland	$76
Progressive Insurance	$113
The General	$118
Bristol West	$150
Mendota Ins. Company	$150
Geico	$176
Acceptance RTR	$206
State Farm	$215
Allstate	$250

Tips to Find Cheap Pueblo SR22 Insurance Policies

Finding cheap Pueblo SR22 insurance policies can be a priority for individuals looking to meet the SR22 insurance requirement while keeping costs manageable. Here are some tips to help you find affordable SR22 insurance in Pueblo:

1. Shop Around and Compare Quotes: Take the time to research and obtain quotes from multiple insurance providers in Pueblo. Each company may offer different rates and coverage options. By comparing quotes, you can identify the most cost-effective options for your specific needs.
2. Maintain a Clean Driving Record: Insurance premiums are influenced by your driving history. If you maintain a clean driving record, free of traffic violations and accidents, you may be eligible for lower insurance rates. Safe driving habits can help reduce insurance costs over time.
3. Consider Higher Deductibles: Choosing a higher deductible can often result in lower insurance premiums. A deductible is the amount you are responsible for paying out of pocket before insurance coverage kicks in. Assess your financial situation and determine if opting for a higher deductible is feasible for you.
4. Bundle Policies: If you have other insurance needs, such as renter’s insurance or homeowner’s insurance, consider bundling these policies with your SR22 insurance. Many insurance companies offer discounts for bundling multiple policies together, which can help save money.
5. Seek Discounts: Inquire about any potential discounts that insurance providers may offer. Common discounts include safe driver discounts, multi-policy discounts, and discounts for completing defensive driving courses. Ask insurance companies about any available discounts that you may qualify for.
6. Improve Your Credit Score: In some cases, insurance companies may consider your credit score when determining your premium rates. Improving your credit score by managing your finances responsibly can lead to lower insurance premiums.
7. Seek Assistance from an Independent Insurance Agent: Working with an independent insurance agent who specializes in SR22 insurance can be beneficial. They have access to multiple insurance providers and can help navigate the process, finding the most affordable options that meet your needs.
8. Evaluate Coverage Options: While it’s important to find affordable SR22 insurance, ensure that the coverage meets the minimum requirements set by the DMV. Understand the coverage limits and consider additional coverage options if needed, while still keeping costs in mind.

Impact on rates	Discounts Available
Mild	Married
Very High	Continuous Insurance
Mild	Multi Vehicle
Mild	Paperless Discount
Mild	Military
High	Paid in Full
Mild	Multi Policy
High	No Accidents or Violations
High	Advanced Quote

When is Broadform Pueblo SR22 Insurance Recommended?

Broadform Pueblo SR22 insurance is recommended in certain situations where individuals need expanded coverage beyond the standard liability insurance required by the SR22 filing. Here are some scenarios when Broadform SR22 insurance in Pueblo may be recommended:

1. Multiple Vehicles: If you own multiple vehicles or frequently drive different vehicles, Broadform SR22 insurance can provide coverage for all of them under a single policy. This can be more convenient and cost-effective compared to insuring each vehicle separately.
2. Higher Liability Limits: Broadform SR22 insurance allows you to increase your liability coverage limits beyond the minimum requirements mandated by the state. This can be beneficial if you want to have more extensive protection in case of accidents resulting in significant bodily injury or property damage.
3. Additional Coverage Options: Broadform SR22 insurance may offer additional coverage options, such as comprehensive and collision coverage, which are not typically included in basic liability insurance. These coverages can protect your own vehicle against damages caused by events like theft, vandalism, or collisions.
4. Coverage for Uninsured/Underinsured Motorists: Broadform SR22 insurance can include uninsured/underinsured motorist coverage. This coverage helps protect you financially if you’re involved in an accident with a driver who doesn’t have insurance or whose insurance coverage is insufficient to cover your losses.
5. Rental Car Coverage: If you frequently rent cars, Broadform SR22 insurance may offer coverage for rental vehicles. This can save you the expense of purchasing additional insurance coverage from the rental car company each time you rent a vehicle.
6. Flexibility: Broadform SR22 insurance provides flexibility by allowing you to customize your coverage based on your specific needs. It offers a broader range of options compared to standard SR22 insurance policies, giving you more control over your insurance protection.

It’s important to note that Broadform SR22 insurance may have higher premiums compared to basic liability coverage.

However, the additional coverage options and flexibility it provides can be valuable for individuals who require more comprehensive insurance protection.

When considering Broadform Pueblo SR22 insurance, it is advisable to consult with an insurance agent who specializes in SR22 insurance. They can assess your specific needs, provide guidance on suitable coverage options, and help you find the best policy that meets both your insurance requirements and budgetary considerations.

SAMPLE QUOTES FOR PUEBLO SR22 INSURANCE

Sample Rates in , Pueblo

Sample Quote/ policy location: Pueblo Agent :Shawn Current Company: Liberty Mutual Previous Company: Mendota Who: client Age: 49 Vehicle: Chevrolet Traverse Type of coverage: broad form , state min Notes: coverage, by phone Rate: $227

Sample Quote/ policy location: Pueblo Agent :Crystal Current Company: Travelers Previous Company: Geico Who: Age: 33 Vehicle: Audi A3 Type of coverage: liability insurance , sr22 Notes: vehicle, motorist Rate: $311

Sample Quote/ policy location: Pueblo Agent :Lauren Current Company: Liberty Mutual Previous Company: Viking Who: insured Age: 40 Vehicle: Chevrolet Silverado 3500 Extended Cab Type of coverage: non owners , uninsured motorist Notes: quotes, motorist Rate: $162

Sample Quote/ policy location: Pueblo Agent :Sy Current Company: Bristol West Previous Company: Mendota Who: insured Age: 45 Vehicle: Saab 9-7X Type of coverage: full coverage , state min Notes: DUI, accidents Rate: $307

Sample Quote/ policy location: Pueblo Agent :Lauren Current Company: Dairyland Previous Company: State Farm Who: male Age: 49 Vehicle: Toyota Xtra Cab Type of coverage: full coverage , sr22 Notes: coverage, accidents Rate: $312

Sample Quote/ policy location: Pueblo Agent :Sy Current Company: Progressive Previous Company: Sentry Who: Female Age: 47 Vehicle: Chrysler New Yorker Type of coverage: full coverage , state min Notes: multi policy, snapshot Rate: $217

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