Getting SR-22 Insurance with new policy.?

Question

Basicly... last year... my mom and I were required to maintain an SR-22 for 3 years.

we got our first one with Mercury insurance.... which was our existing provider

then they said they wont renew the policy with us anymore... and we had to find another company

chose allstate... as they were the only ones willing to give an SR-22 for NEW policies.

we have had all state for 6 months... their rates are pretty expensive though... with or with SR-22...

we got quotes from statefarm... they are really good... about 40% savings.... but they refuse to give SR-22s with new policies. but then they also said...they also refuse to give it with Existing policies as well... is this even possible?

we have 3 cars. we were thinking of keeping one vehicle with allstate... maintaining the existing SR-22... and transfering the other 2 vehicles over to statefarm... and after a month or 2... once we become "existing customers" request for an SR-22... and transfer the allstate vehicle to statefar

Answer 1

I would keep looking around until you find an insurance company that meets all of your needs.  There are alot of different companies out there and there is bound to be one that can help you get your SR22 insurance taken care of without a hassle.

Answer 2

Was it your mom requiring the sr22, you, or the both of you? Mercury would issue an sr22 filing to your mother but you would have to go onto your own policy if you were to file the sr22 with Mercury. Anyways you are no longer with Mercury so that is irrelevant. As far as seperating your policies, when you do that you lose some discounts such as the multi car discount, but I am going to assume that you need the sr22 filing at this point. If that is correct I would recommend putting the car that you drive into your own name and insuring it with a non standard provider, you may have a lower rate or better luck going through a broker.

Answer 3

Your plan won't work. The SR-22 form is on your driver's license record, not your car's record.

I have a sr-22 requirement (ran a flashing red light with crossing street blocked on both sides, no insurance), and got a rather light 3 month suspension on my license. My insurance rates are still dirt cheap though at $50 a month, because my car is tastefully vintage (1987 Mazda RX7).

Give American Family Insurance a call, that's who I have.