3 Ways to Avoid SR-22 Insurance

If you’ve had SR-22 insurance in the past, then you know how intense driving is with the requirement to maintain this type of insurance. With SR-22 insurance, your next wreck or ticket could be the event that takes away your driving privileges for a while, and who wants that?

Luckily, you can overcome any current requirements to have SR-22 insurance and future requests to maintain the coverage by avoiding these three traffic infractions.

Driving Without Auto Insurance

When drivers consistently fail to maintain car insurance, auto insurance companies and courts require them to have SR-22 insurance. Let’s be clear, auto insurance is a requirement to operate a vehicle on the highway in most states. Moreover, if you drive without auto insurance, you can get a ticket, which is never fun.

To avoid being tasked with purchasing SR-22 insurance, you should maintain auto insurance continuously. If you aren’t familiar with the requirements for auto insurance, we are happy to help you determine what level of insurance you need to operate your vehicle in accordance with legal requirements.

Drinking and Driving Is Always a No, No

In addition to driving without car insurance, drinking and then getting behind the wheel is something you should never do. Driving drunk or intoxicated places both your life and the lives of others around you in danger. In 2014, the Centers for Disease Control and Prevention estimated that car accidents involving alcohol accounted for 9,967 deaths. Nearly 10,000 people could be alive today if a drunk driver avoided drinking and driving.
Driving while under the influence of drugs and alcohol can lead to your insurance provider or your local court requiring you to maintain SR-22 insurance. One solution to avoiding SR-22, don’t drink and drive--ever.

Multiple Vehicle Accidents

Having a lot of vehicle accidents on your driving record could result in a requirement to maintain SR-22 insurance. With multiple wrecks on your driving history, you are a liability risk, and as such, extra insurance may be necessary.

Defensive driving is one of the best ways to reduce driving risks during your commute. It’s the practice of driving in a state of heightened awareness, which gives you the ability to scan your surroundings quickly and take measures to avoid accidents.

As a defensive driver, you look out for distracted drivers, pedestrians, and other hazards that may interfere with your ability to travel safely. In doing so, you reduce your chances of getting into an accident, and you avoid the need for SR-22 insurance.

The requirement to maintain SR-22 insurance is a burden, and for many, it can be stressful. You can avoid SR-22 insurance by being a safe driver in all circumstances.

If you think you need SR-22 Insurance, or want to check on the status of your current SR-22 policy, call Auto Insurance Discounters today at (866) 288-6545.

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