A friend of mine recommended a car insurance agent here in Maryland for me so that I can get cheap insurance policy. I haven’t gotten in touch with the agent, so I need to know, what are the things that the agent needs to know about me and my vehicle?

Savon

Silver Spring, MD

There are a lot of important things that a car insurance agent should have in order to help you get cheap insurance policy. Once you speak with the car insurance agent, you have to give him/her information about the car you’d want to insure such as its make and model, how old it is and the names of the ones who would drive the car, how old they are and the details of their driving record. Also, you need to give information such as how often you drive the car, where you live, the Vehicle Identification Number (VIN), and if you have safety devices such as anti-lock brakes installed in your car.

Your driving history would play such a big role in determining if you can get cheap insurance policy in Maryland. The car insurance agent would like to find out if you belong to a high risk category. If it happens that you are considered as a high risk driver, you would have a hard time getting cheap insurance policy. But if not, of course it will be guaranteed that you will be offered cheap insurance policy. And even if you will be considered as a high risk driver, getting the discounts you are eligible for will give you some savings, thus having a chance of getting cheap insurance policy.

Is a SR22 insurance needed if the person is a high risk driver? If so, what is the purpose of having SR22 insurance here in Maryland?

Ashlyn

Baltimore, MD

A SR22 insurance is a form or a policy rider that is essential for high risk motorists so that they can reinstate their driver’s license if it has been suspended or revoked. In Maryland, it is required by the Department of Motor Vehicles (DMV) for a number of years, depending on the gravity of the violation. Once a car insurance carrier issues a SR22 insurance, it will guarantee the DMV that the driver carries at least the state-required auto liability insurance. The DMV will be informed if there would be a gap at the period of coverage for the SR22 insurance. If the policy is cancelled for any reason, further penalties will be applied and the driver’s license will again be suspended.

A number of things may cause someone to have their driver’s license suspended or revoked, thus having the need to get a SR22 insurance. This includes citations for driving under the influence (DUI), multiple minor moving infractions, multiple unpaid tickets, too many accidents in a short period of time, etc.

If a high risk driver is asked to get a SR22 insurance, he/she has to get minimum liability insurance for his/her automobile. If the person doesn’t own an automobile, he/she can buy non-owner liability insurance. Not all insurance companies offer SR22 insurance so the driver has to be at his/her best at shopping around if they need to find a SR22 insurance.

I wanna understand the things that my parents are referring to when they talk about my brother’s DUI conviction here in Bowie, Maryland. What does SR22 anything have to do with his DUI?

Darla

Bowie, MD

An SR22 insurance, sometimes being referred to as a proof of insurance certificate and would identify your brother as a person who has been convicted of a DUI. He can file the SR22 insurance form with his current car insurance company in Bowie, Maryland. But in many cases, the car insurance company could not have an SR22 insurance policy. This means that they do not offer car insurance policies to those who have a DUI on their driving record.

When your brother file an SR22 insurance though his car insurance company, the car insurance company should file it with the Department of Motor Vehicles (DMV). Once his SR22 insurance is filed at the DMV, any car insurance company would have access to it. When he has an SR22 insurance on file, car insurance companies would consider him a high risk driver. If your brother is in search for a car insurance company that can give him coverage for SR22, he can always get an online rate quote from this website.