HOW TO GET CHEAP EASLEY SR22 INSURANCE

It’s important to note that SR22 insurance is often more expensive than standard auto insurance due to the higher risk associated with the driving offense. The specific cost of Easley SR22 insurance will depend on various factors such as your driving history, the type of offense, your age, and the insurance company you choose. But there are ways to lower this!

To find cheap Easley SR22 insurance, you can consider the following strategies:

1. Shop Around: Obtain quotes from multiple insurance providers in the Easley area. Each company may have different rates and criteria for SR22 insurance. By comparing quotes, you can find the most affordable option.
2. Maintain a Good Driving Record: A clean driving record without any additional violations or accidents can help reduce your insurance premiums. Avoiding further infractions demonstrates to insurers that you are a responsible driver.
3. Consider Higher Deductibles: Choosing a higher deductible means you will have to pay more out of pocket in the event of an accident. However, it can lower your insurance premiums. Assess your financial situation and determine if you can afford a higher deductible to save on insurance costs.
4. Look for Discounts: Inquire about available discounts with insurance providers. Some companies offer discounts for safe driving courses, bundling policies, or maintaining a good credit score. Ask specifically about SR22-related discounts.
5. Maintain Continuous Coverage: Keeping your SR22 insurance policy active without any lapses demonstrates responsible behavior to insurance companies. Continuous coverage could lead to better rates over time.
6. Consider Insurance Comparison Websites: Utilize online insurance comparison tools or websites to compare quotes from multiple insurers quickly. These platforms allow you to input your information once and receive quotes from various providers, simplifying the comparison process.
7. Seek Assistance from an Insurance Broker: An insurance broker can help you navigate the process and find the best insurance options tailored to your needs. They have access to multiple insurance companies and can assist you in finding affordable SR22 insurance in Easley.

CARRIER	LIABILITY ONLY
Dairyland	$93
Mendota Ins. Company	$95
National General	$95
USAA	$106
Geico	$108
The General	$109
21st Century	$110
Travelers	$110
AssuranceAmerica	$112
Progressive Insurance	$112
Liberty Mutual	$113
Safeco	$117
Acceptance RTR	$121
Bristol West	$136
American Family	$143

QUICK LOOK AT DISCOUNTS FOR EASLEY SR22 INSURANCE

Impact on rates	Discounts Available
High	Paid in Full
Mild	Multi Vehicle
Mild	Homeowners
Mild	Military
Mild	Education Discount
Very High	Continuous Insurance
High	Advanced Quote
Mild	Married
High	Auto Pay

EASLEY SR22 FILING FEE

The SR22 filing fee in Easley, South Carolina, can vary depending on the insurance company and the specific circumstances of your situation. Typically, the SR22 filing fee ranges from $15 to $50. However, it’s important to note that this fee is separate from the cost of the SR22 insurance policy itself.

When you obtain SR22 insurance, the insurance company will file the SR22 form on your behalf with the South Carolina Department of Motor Vehicles (DMV). The filing fee covers the administrative costs associated with processing and maintaining the SR22 form.

To get an accurate understanding of the SR22 filing fee in Easley, you should contact insurance providers or agencies directly. They will be able to provide you with the specific details regarding the filing fee associated with SR22 insurance in your area.

It’s essential to remember that the SR22 filing fee is a one-time or occasional fee, depending on how long you are required to maintain the SR22 filing. The primary cost of SR22 insurance comes from the premiums you pay for the required liability coverage, which can be higher than regular auto insurance due to the associated driving offense.

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

WHY DO YOU NEED EASLEY SR22 INSURANCE?

Easley SR22 insurance is typically required for individuals who have been convicted of certain driving offenses in Easley, South Carolina, or the surrounding area.

The most common reasons for needing SR22 insurance include:

1. DUI or DWI Conviction: If you have been convicted of driving under the influence (DUI) or driving while intoxicated (DWI), you will likely be required to obtain SR22 insurance. This is because these offenses are considered serious and pose a higher risk to other drivers on the road.
2. Driving Without Insurance: If you were caught driving without proper auto insurance coverage, you may need SR22 insurance as a result of the violation. Driving without insurance is illegal in most states, including South Carolina, and obtaining SR22 insurance is a way to demonstrate financial responsibility.
3. Reckless Driving: A conviction for reckless driving, which involves driving in a manner that endangers others or property, may lead to the requirement of SR22 insurance. Reckless driving is a serious offense, and SR22 insurance ensures that you have the necessary coverage if you were to cause an accident.
4. Accumulation of Points: In South Carolina, drivers who accumulate a certain number of points on their driving record within a specific timeframe may be required to obtain SR22 insurance. Points are typically assigned for various traffic violations, and if you exceed the limit, you may need to file an SR22.

The SR22 form is filed with the Department of Motor Vehicles (DMV) to show proof of insurance.

The specific duration for which you need SR22 insurance will depend on the offense and the requirements imposed by the court or DMV. Typically, it is required for a few years, and it’s crucial to maintain continuous coverage during that period to avoid additional penalties or consequences.

Violation Name	Major, Minor, or Non Moving	How Long it Will Affect Your Insurance Rates
Parking	Non Moving	NA*
At Fault Accident	Major	5 Years
Failure to Yeld	Minor	3 Years
Reckless Driving	Major	5 Years
Driving without a License	Major	3 Years
Non-At-Fault Acccident	Minor	NA*
Improper Lane use	Minor	3 Years
Crossing over a Center Divider	Minor	3 Years
Failure to Use a Seat Belt	Non Moving	NA*
No Proof of insurance	Non Moving	NA*
DUI	Major	10 Years
Using a Cell Phone with Driving	Minor	3 Years

State Requirements for Insurance in South Carolina?

In South Carolina, all drivers are required to have auto insurance that meets the state’s minimum liability coverage requirements.

The specific requirements for auto insurance in South Carolina are as follows:

1. Liability Insurance: Drivers in South Carolina must carry liability insurance coverage with the following minimum limits:
   • $25,000 for bodily injury per person
   • $50,000 for bodily injury per accident
   • $25,000 for property damage per accident
   Liability insurance provides coverage for injuries or damages you may cause to others in an accident for which you are at fault.
2. Uninsured Motorist Coverage: South Carolina law also requires drivers to have uninsured motorist coverage with the same minimum limits as their liability coverage. This coverage protects you if you are involved in an accident caused by an uninsured or underinsured driver.

Proof of insurance must be carried in the vehicle at all times and presented to law enforcement officers upon request. Acceptable forms of proof include insurance policy cards, insurance policy documentation, or electronic copies displayed on a mobile device.

Additionally, South Carolina operates on an “at-fault” system, meaning the person found to be at fault for an accident is responsible for covering the damages. Having adequate insurance coverage is crucial to protect yourself and others financially in the event of an accident.

Failure to maintain the minimum required insurance coverage in South Carolina can result in penalties such as fines, license and registration suspensions, and the requirement to file an SR22 form.

State	Minimum Coverage Requirements	Average Cost for Minimum Liability Coverage
South Carolina	25/50/25	$537

EASLEY SR22 INSURANCE BUT NO VEHICLE?

If you need Easley SR22 insurance but do not currently own a vehicle, you may still be required to obtain non-owner SR22 insurance. Non-owner SR22 insurance provides liability coverage when you drive a vehicle that you do not own. This type of insurance is designed for individuals who frequently borrow or rent vehicles and still need to meet the SR22 insurance requirement.

Non-owner SR22 insurance typically includes liability coverage for bodily injury and property damage. It does not provide coverage for the vehicle itself. This means that if you borrow or rent a vehicle and cause an accident, the non-owner SR22 insurance will cover the damages and injuries you cause to others, but it will not cover any damages to the borrowed or rented vehicle.

To obtain non-owner SR22 insurance in Easley or any other area, you would need to contact insurance providers or agencies that offer this type of coverage. They can guide you through the process and provide you with the necessary information and quotes.

Additionally, not all insurance companies offer non-owner SR22 policies, so it may require some research and shopping around to find the most affordable option for your specific situation.

Progressive Insurance	$81
Dairyland	$119
The General	$119
Bristol West	$143
Mendota Ins. Company	$158
Geico	$174
Acceptance RTR	$201
Allstate	$220
State Farm	$246

OTHER HELPFUL LINKS

GREENVILLE SR22	SIMPSONVILLE SR22
FOUNTAIN INN SR22	FIVE FORKS SR22
PIEDMONT SR22	EASLEY SR22
SPARTANBURG SR22	CHARLESTON SR22
COLUMBIA SR22	MOUNT PLEASANT
ROCKHILL SR22	SUMMERVILLE SR22