If you find yourself in need of SR22 insurance in St. Louis, MO, chances are you do not have to be reminded of how expensive it can be. When you have a DUI conviction it makes you appear to be a much higher risk, which means that insurance companies are going to charge you more; after all their business is to make a profit. While you may have to spend several years paying much higher rates than a person that has a perfect record, there are steps that you can take to make your bill as inexpensive as absolutely possible.
Be Sure You Own Your Vehicle
Finding affordable sr22 insurance in St. Louis MO comes into play when you only have to purchase liability coverage, and only for the lowest amount that is allowed in your state. This is only able to be done when you own your care clear and free, since lenders require you to provide comprehensive coverage in order to protect their vehicle and collateral.
Be Willing to Drive a Beater
When you purchase a cheap vehicle, you will receive cheaper insurance. Be willing to drive around in a reliable and simple vehicle, and save your money for your dream vehicle when you once again qualify for traditional types of auto insurance. There are a number of people who are required to have SR22 insurance and opt to obtain a motorcycle license, since this will be the cheapest type of SR22 insurable option to drive. Additionally, when you drive something that is less expensive you can also purchase it outright.
Obtain Your Coverage from an Independent Agent
If you need SR22 insurance coverage, using an independent agent to find the coverage that is right for you, and affordable, can save you a significant amount of money. Since these individuals receive their cut from the actual insurance company that you choose, it is as if you found the policy on your own, and are not charged any additional fees for their services.
Using the tips and ideas here you may be able to find sr22 insurance that is affordable and that will ensure you can drive to get where you need to go.
