Quotes For SR-22 Insurance in Tacoma WA

Quotes For SR-22 Insurance in Tacoma WA

Even though it's frequently mistakenly thought of as insurance, an SR-22 is simply a document your insurance provider submits to the state to confirm you have active insurance coverage. The majority of Tacoma insurance companies don't want to deal with SR-22 insurance. You want a company, such as Mid-Columbia Insurance, that specializes in SR-22 filings in Tacoma WA.

Some insurance providers refuse to write policies for those who need to file an SR22. But Mid-Columbia Insurance partners with companies like Dairyland, National General, Progressive, and The General, that specialize in offering coverage to high-risk drivers, including those who require an SR-22.

At Mid-Columbia Insurance, we assist high-risk drivers meet their SR-22 insurance requirement. Whether you require regular auto insurance, non-owner insurance, or broad form insurance on your license, we can add an SR22 filing to it.

What is SR22 Insuance in Tacoma WA —

An SR-22 is not an actual "type" of insurance, but a form that is filed with the state Department of Licensing to show that you have an active car insurance policy with liability coverage.

An SR-22 may also be referred to as a "Certificate of Financial Responsibility," "SR-22 Bond," or "SR-22 Filing,"

Mid-Columbia Insurance: Your Tacoma SR-22 Insurance Specialists

Need to reinstate your license? You can! Call (509) 783-5600 and speak with a helpful licensed insurance agent and request an SR-22 insurance quote for Tacoma, WA.

Washington State DUI News

What Does SR22 Insurance Cover in Tacoma WA

An SR-22 filing certifies to the state that you are financially responsible and that if you cause an accident, you have insurance that could pay the cost of other people’s injuries and property damage up to the limits of your policy.

A Washington driver (with or without an SR22) is required to carry at least the following liability limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

It’s possible that the minimum liability limits will not cover the full cost of the repair or replacement value of the vehicle(s) involved in an accident. If you are found at fault, you could be responsible for paying anything above your chosen limits.

SR22 Insurance Without A Car in Tacoma WA

If you're required to have an SR-22 but don't own a vehicle, you can get either a non-owner car insurance policy or a broad form insurance policy.

Non-owner insurance provides liability when driving a car you don't own (obviously) but what is not obvious is that it does not cover a vehicle regularly parked at your home either.

Broadform insurance does not have this restriction and provides liability coverage when driving most any car, owned or non-owned

Many insurance companies do not offer these policies but they are our specialty. Talk to one of our licensed insurance agents to find out which is best for you.

Cheaper SR22 Insurance in Tacoma WA

1. Compare prices
Because SR-22 insurance can be expensive, tt's crucial to look into your options to find the most reasonable policy. An independent agent like Mid-Columbia Insurance can help you compare quotes from a number of different insurance providers to get the best rate.

2. Consider Reducing Your Coverage
f you're having trouble paying for SR-22 insurance, raising your deductible or dropping comprehensive and collision can save you some money.

You could also choose lower liability limits and not carry medical or uninsured motorist if the budget is really tight. Although we never recommend carrying the minimum coverage, it is better than driving with insurance and without a license if you need an SR-22.

4. Choose a Broad Form Policy.
Broadform car insurance coverage is usually cheaper than regular car insurance and is an excellent way to cheaply satisfy your state's SR-22 requirement especially if you don't own a car.

Quotes For SR-22 Insurance in Tacoma WA
Are SR22s Available on a BroadForm?

An SR22 filing can be added to a broad form auto insurance policy, allowing you to get your license back. A broad form is perfect for someone who does not own a car or who drives multiple cars.

When you are driving, a broad form SR22 insurance covers you, the policyholder just like any other policy with the same coverages.. If someone else is driving, it offers no protection at all.

Broad form SR22 insurance can be challenging at times, but we can assist. For more information or to begin a quotation, call our friendly licensed insurance agents.

Mid-Columbia Insurance: Your Tacoma WA SR-22 Insurance Specialists

Need to reinstate your license? You can! Call (509) 783-5600 and speak with a helpful licensed insurance agent and request an SR-22 insurance quote for Tacoma, WA.