GREELEY SR22 INSURANCE
Greeley SR22 insurance refers to an SR22 filing, which is a document required by the state of Colorado for certain individuals who have been convicted of certain driving offenses or have had their driving privileges suspended. SR22 insurance is not a specific type of insurance policy, but rather an endorsement or filing that is added to an existing auto insurance policy to verify that the driver meets the state’s minimum insurance requirements.
Purpose of a Greeley SR22
An SR22 filing is typically required for drivers who have been convicted of DUI (Driving Under the Influence), DWI (Driving While Intoxicated), driving without insurance, driving with a suspended license, or other serious traffic violations. The purpose of the SR22 filing is to provide proof of financial responsibility and ensure that the driver maintains the required insurance coverage.
How to Get a Greeley SR22 Filing
To obtain Greeley SR22 insurance, you would need to contact an insurance company that offers SR22 filings in the state of Colorado. Not all insurance companies provide SR22 filings, so it’s important to check with the insurance provider beforehand. They will guide you through the process and help you add the SR22 filing to your policy.
| 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 Greeley SR22 Insurance
Keep in mind that obtaining SR22 insurance usually results in higher insurance premiums due to the increased risk associated with the driving history of the individual. The duration of the SR22 filing requirement varies depending on the offense and the state’s regulations, but it typically lasts for a few years.
The cost of Greeley SR22 insurance can vary depending on several factors, including your driving history, the reason for needing the SR22 filing, the insurance company you choose, and your overall risk profile. Generally, obtaining SR22 insurance tends to result in higher insurance premiums compared to standard auto insurance policies.
Insurance companies consider drivers requiring an SR22 filing as high-risk individuals due to their past driving offenses or violations. As a result, the insurance premiums may increase significantly. However, it’s important to note that the specific cost can vary greatly based on individual circumstances.
VIOLATIONS IMPACT
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
| Parking | Non Moving | NA* |
| Expired Tags | Non Moving | NA* |
| Reckless Driving | Major | 5 Years |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Non-At-Fault Acccident | Minor | NA* |
| Failure to Yeld | Minor | 3 Years |
| Speeding | Minor | 3 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Driving without a License | Major | 3 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| No Proof of insurance | Non Moving | NA* |
| At Fault Accident | Major | 5 Years |
| CARRIERS WITH SR22 | LIABILITY ONLY |
| National General | $94 |
| The General | $95 |
| AssuranceAmerica | $96 |
| Acceptance RTR | $104 |
| Progressive Insurance | $110 |
| Farmers | $114 |
| Mendota Ins. Company | $114 |
| State Farm | $114 |
| Dairyland | $116 |
| Bristol West | $120 |
| Geico | $125 |
| Allstate | $127 |
| Safeco | $128 |
| Liberty Mutual | $129 |
| GAINSCO | $132 |
STEP BY STEP GUIDE ON GREELEY SR22 INSURANCE
- Understand SR22 Insurance: SR22 insurance is a type of auto insurance required for individuals who have been convicted of certain driving offenses, such as DUI/DWI, reckless driving, or driving without insurance. It is a document that proves you have the necessary liability coverage as mandated by the state.
- Contact Insurance Providers: Reach out to various insurance providers in Greeley to obtain quotes for SR22 insurance. You can do this by visiting their offices, calling them, or using their online platforms. Make sure to inquire specifically about SR22 coverage.
- Provide Your Information: When contacting the insurance providers, be prepared to provide personal information, such as your full name, address, date of birth, driver’s license number, and details about your driving history, including the reason for needing SR22 insurance.
- Compare Quotes: Collect quotes from different insurance providers and compare them to find the most affordable option that meets the SR22 insurance requirements. Consider factors like coverage limits, deductibles, and any additional services or benefits offered.
- Purchase SR22 Insurance: Once you have selected an insurance provider, inform them of your decision and proceed with purchasing the SR22 insurance policy. You will need to provide payment information and any additional required documentation.
- Obtain SR22 Certificate: After purchasing the SR22 insurance policy, the insurance provider will file the SR22 certificate with the appropriate state authorities on your behalf. This certificate verifies that you have the required insurance coverage.
- Maintain SR22 Insurance: It is crucial to maintain continuous SR22 insurance coverage for the specified period mandated by the court or the state. Failure to maintain coverage could result in license suspension or other penalties. Ensure you make timely premium payments to keep the policy active.
- Drive Responsibly: While SR22 insurance is necessary to reinstate your driving privileges, it is also essential to practice safe and responsible driving. Avoid any further violations that could lead to additional consequences or an extension of the SR22 requirement.
Remember, these steps are general guidelines, and the specific process may vary depending on the insurance provider and the requirements set by the state of Colorado. It’s always a good idea to consult with the insurance company directly to get accurate and up-to-date information tailored to your situation.
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