FRUITA SR22 INSURANCE 101

It’s important to note that SR22 insurance usually comes with higher premiums compared to standard auto insurance because it is often required for high-risk drivers but not as bad as you might think.

The duration of the SR22 filing requirement can vary depending on the specific offense and state laws. Typically, it lasts for a few years, and during that time, you must maintain continuous insurance coverage without any lapses.

NOTE: The cost includes a filing fee AND auto insurance at the State minimum atleast!

FILING FEE

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

LIABILITY ONLY AUTO INSURANCE State Minimum

Dairyland	$89
AssuranceAmerica	$107
National General	$107
The General	$110
Allstate	$111
Geico	$112
Progressive Insurance	$112
Liberty Mutual	$114
Mendota Ins. Company	$114
Travelers	$116
State Auto	$117
USAA	$132
Bristol West	$136
Acceptance RTR	$140
GAINSCO	$141

WHY DO I NEED FRUITA SR22 INSURANCE?

There could be several reasons why you may need Fruita SR22 insurance. The most common reason is if you have been involved in a serious driving offense or multiple traffic violations that have led to a suspension or revocation of your driver’s license. Here are a few scenarios where you might need SR22 insurance:

1. Driving under the influence (DUI) or driving while intoxicated (DWI): If you have been convicted of driving under the influence of alcohol or drugs, your state’s DMV may require you to obtain an SR22 filing before reinstating your driving privileges.
2. Reckless driving: Reckless driving, which involves willful or wanton disregard for the safety of others, can result in an SR22 requirement. If you have been convicted of reckless driving, the DMV may ask for an SR22 filing to ensure you have liability insurance coverage.
3. Driving without insurance: If you were caught driving without insurance or failed to provide proof of insurance when required, you might need to obtain an SR22 filing to demonstrate financial responsibility before your license can be reinstated.
4. Multiple traffic violations: Accumulating multiple traffic violations within a certain time period can result in the need for SR22 insurance. This could include offenses such as excessive speeding, driving without a license, or repeated instances of driving without insurance.

The purpose of SR22 insurance is to provide proof to the DMV that you have obtained the necessary liability insurance coverage to meet the state’s minimum requirements. It acts as a guarantee that you will maintain continuous coverage for a specified period. The specific duration of SR22 filing requirements can vary depending on the offense and state regulations.

Violation Name	Major, Minor, or Non Moving	How Long it Will Affect Your Insurance Rates
Speeding	Minor	3 Years
Driving without a License	Major	3 Years
Failure to Stop for a Pedestrian Side walk	Minor	3 Years
Failure to Secure Load to truck/trailer	Minor	3 Years
Failure to Use Turn Signal	Minor	3 Years
Reckless Driving	Major	5 Years
Crossing over a Center Divider	Minor	3 Years
Running a Traffic Light or Stop Sign	Minor	3 Years
Improper Lane use	Minor	3 Years
Failure to Use a Seat Belt	Non Moving	NA*
Non-At-Fault Acccident	Minor	NA*
Parking	Non Moving	NA*

It’s important to understand that SR22 insurance is not an endorsement or a type of insurance coverage itself. It is a form or certificate that your insurance company files with the DMV on your behalf, verifying that you have an active insurance policy.

The cost of SR22 insurance tends to be higher than regular auto insurance due to the elevated risk associated with the offenses that require it.

If you have been informed by the DMV that you need Fruita SR22 insurance, it is crucial to comply with the requirement and obtain the necessary coverage.

Failure to maintain SR22 insurance can lead to further penalties, including the potential for license suspension or additional legal consequences.

HOW TO GET CHEAP FRUITA SR22 INSURANCE?

Getting cheap Fruita SR22 insurance may require some effort, as SR22 filings generally result in higher insurance premiums due to the increased risk associated with the driving offenses that led to the requirement.

However, there are a few strategies you can consider to potentially lower the cost of your SR22 insurance:

1. Shop around and compare quotes: Contact multiple insurance providers that offer SR22 filings in the Fruita area and request quotes for the coverage you need. Prices can vary significantly between insurers, so obtaining quotes from different companies allows you to compare rates and find the most affordable option.
2. Maintain a clean driving record: While it may not directly impact the cost of your current SR22 insurance, maintaining a clean driving record going forward can help you secure lower insurance rates in the future. By avoiding additional traffic violations or accidents, you can gradually improve your driving history and potentially qualify for better rates when your SR22 filing requirement expires.
3. Consider liability-only coverage: If you have an older or less valuable vehicle, you may choose to opt for liability-only coverage rather than full coverage. Liability insurance covers damages you cause to others in an accident, but it does not cover your own vehicle. Since the SR22 requirement primarily focuses on proving liability coverage, selecting a more limited policy could help lower your insurance premiums.
4. Take defensive driving courses: Some insurance companies offer discounts for completing approved defensive driving courses. These courses can improve your driving skills and demonstrate to insurers that you are taking steps to become a safer driver. Check with insurance providers in Fruita to see if they offer any discounts for completing such courses.
5. Improve your credit score: In many states, including Colorado, insurance companies may consider your credit score when determining insurance rates. Maintaining a good credit score by paying bills on time, reducing debt, and managing credit responsibly can help you secure more favorable insurance premiums.
6. Consider a higher deductible: Choosing a higher deductible means you will pay more out of pocket in the event of an accident or claim, but it can lead to lower insurance premiums. Evaluate your financial situation and determine if increasing your deductible is a viable option for reducing your SR22 insurance costs.

Remember, it’s crucial to maintain continuous insurance coverage without any lapses during the required period of your SR22 filing. If your policy is canceled or lapses, your insurance company is obligated to notify the DMV, which can result in further penalties or even license suspension.

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

DO I NEED FRUITA SR22 INSURANCE IF I DON’T OWN A VEHICLE?

If you don’t own a vehicle but still need to maintain your driving privileges in Fruita, Colorado, you may still be required to obtain Fruita SR22 insurance. The need for SR22 insurance is typically tied to your driving record and the specific driving offenses that led to the requirement, rather than vehicle ownership.

In some cases, if you don’t own a vehicle, you may need to obtain a non-owner SR22 insurance policy. Non-owner SR22 insurance provides liability coverage when you occasionally drive someone else’s vehicle or rent a car.

Here are a few scenarios where you might need non-owner SR22 insurance:

1. License suspension due to a driving offense: If your driver’s license has been suspended or revoked due to a serious driving offense, such as a DUI or reckless driving, the DMV may require you to file an SR22 even if you don’t own a vehicle. Non-owner SR22 insurance can help fulfill this requirement and reinstate your driving privileges.
2. Requirement for a hardship or restricted license: In certain cases, the DMV may grant you a hardship or restricted license that allows you to drive to specific locations, such as work or school, despite having a suspended or revoked license. Even with a hardship or restricted license, you might still need to carry non-owner SR22 insurance.
3. Compliance with SR22 filing requirements: If you had an SR22 filing requirement while you owned a vehicle but subsequently sold or disposed of it, you may still need to maintain the SR22 filing until the mandated period is over. In this situation, non-owner SR22 insurance can meet the state’s requirements even if you don’t have a vehicle.

It’s important to check with the Colorado DMV or consult with an insurance professional familiar with SR22 filings in Fruita to understand the specific requirements and whether non-owner SR22 insurance is applicable in your situation. They can guide you on the appropriate steps to fulfill your SR22 filing obligations without vehicle ownership.

NON-OWNER CARRIERS	$$
Dairyland	$66
Progressive Insurance	$95
The General	$112
Bristol West	$139
Mendota Ins. Company	$145
Geico	$179
State Farm	$201
Allstate	$222
Acceptance RTR	$249

OTHER HELPFUL LINKS

DENVER, CO SR22 INSURANCE	AURORA, CO SR22 INSURANCE
COLORADO SPRINGS, CO SR22 INSURANCE	PUEBLO, CO SR22 INSURANCE
BOULDER, CO SR22 INSURANCE	FORT COLLINS, CO SR22 INSURANCE
ARVADA, CO SR22 INSURANCE	PUEBLO WEST, CO SR22 INSURANCE
GRAND JUNCTION, CO SR22 INSURANCE	GREELEY, CO SR22 INSURANCE
LONGMONT, CO SR22 INSURANCE	COLORADO STATE SR22