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Do You Have SR22 Auto Insurance? Two Tips To Help Lower Your Premium

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If a local court system has recently mandated that you get an SR-22, you may be unpleasantly surprised at how much your automobile insurance rate has increased. An SR-22 ("Safety Responsibility") document is a requirement for people who have committed certain moving violations. When you have this form, you are considered a larger risk, and your insurance premium will likely go up as a result. However, there are things you can do to make your SR-22 insurance more affordable. Use this information to learn more about how you can get a more manageable SR-22 car insurance rate.

Showing Responsibility Makes A Difference

Showing your insurance company that you are a responsible insured is a great way to drive down the price of your SR-22 policy. What you want to do is prove to your insurance company that, although you may have made some driving mistakes in the past, you have learned from them and are now prepared to do everything you can to be an acceptable insurance risk.

There are a number of ways that you can show your insurance company how responsible you truly are, some of which include:

  • Staying Ticket Free. You definitely don't want to get any more tickets while you have SR-22 insurance.  Not only does it show that you may be an irresponsible driver, it could cause your premium to go up even more. If you're able to remain ticket free for an acceptable period of time, your insurance company may drop your insurance rate.
  • Signing Up For Automatic Payments. Signing up for automatic payments is a great way to show how responsible you are. It shows that you are fully committed to making your payments, and that you have no intention of letting your policy lapse. In addition, some insurance companies offer discounts to insured's who enroll in automatic payments.

Take A Defensive Driving Course

Another technique you can use to get discounted SR-22 insurance is to take a defensive driving course. In a defensive driving course, you'll learn safety techniques that are designed to help you avoid getting into an accident. Insurance companies offer discounts for people who successfully complete the course because they see you as a safer driver who is less likely to get into an accident.

Getting SR-22 insurance doesn't have to break the bank if you know what to do. If you have SR-22 insurance, start using these tips right away so you can begin to enjoy the savings. For more information, contact a company like Illinois Automobile Insurance.