Student SR22 Insurance Rates in Colorado

Tuesday, October 2nd, 2012

I am a college student in Fort Collins, Colorado, and I was recently convicted of a DUI. Is it possible to find cheap SR-22 insurance for a student?

Finding cheap SR-22 insurance for a student can be a challenge. Almost all auto insurance companies already charge higher rates for young drivers. This is because young drivers are usually less experienced and are more likely to get into an accident, file a claim, or receive a ticket than older drivers. Now that you are required to carry Colorado SR 22 insurance as a student, you will have to pay even higher rates. Although SR-22 insurance can be very expensive as a student, there are a few things you can do to find cheap rates.

One way you can lower your Colorado SR 22 insurance premium is to qualify for the good student discount. Almost all auto insurance companies offer a discount for students that maintain a “B” average.  You could also receive a discount if you have a safe car or a car that has low miles. It is important to contact different auto insurance companies and see what kind of discounts they offer.  Discounts will definitely lower the cost of your Colorado SR 22 premium.

The easiest way that you can find cheap SR 22 insurance in Fort Collins, for a student is to compare quotes online. Some auto insurance companies will offer cheaper rates for students than others. You should compare quotes between at least 3 to 5 different companies to find the cheapest rate for you.

Colorado SR22 Insurance for Students

Do I Have to Get Colorado SR22 Insurance?

Wednesday, August 20th, 2008

I was convicted of a DUI. Will I have to get Colorado SR22 insurance? Can’t I just get regular auto insurance?

Yes, you have to get Colorado SR22 insurance if you want to be able to drive and get your driver’s license reinstated. Colorado state law requires that you maintain SR-22 insurance for a continuous period of 3 years after being convicted of a DUI. No, you cannot just get regular Colorado car insurance instead of SR 22 insurance. When your SR22 insurance company files an SR22 form with the Colorado DMV they create an agreement to notify them if your insurance coverage lapses for any reason. You can’t get this SR22 filing with regular auto insurance, so no agreement is made with the DMV. The Colorado DMV wants to make sure that you maintain continuous auto insurance coverage and they only way they can do that is by requiring that you get SR22 insurance and filing an SR-22 certificate with the state.

Online Colorado SR22 Insurance Quotes

Cancelled Colorado SR22 Insurance Policy

Tuesday, August 5th, 2008

What happens if my insurance company cancels my Colorado SR22 Insurance policy?

If your auto insurance company cancels your Colorado SR22 insurance policy for any reason they will notify the Colorado DMV immediately. After the DMV finds out, they will most likely suspend your driver’s license again. If you continue driving, you will be driving illegally and could face harsh penalties if you get caught. There is no way to prevent the DMV from finding out if your SR22 policy is cancelled because the insurance company is required to disclose that information.

The whole purpose of SR 22 insurance is so that the Colorado DMV can make sure you maintain continuous auto insurance coverage, so it is very important that you do not let your policy lapse or be cancelled. Make sure you always pay your SR22 premium on time and avoid getting excessive tickets so you never give the insurance company any reason to cancel your policy. Having your insurance cancelled is a hassle to get sorted out so avoiding it is always best.

FREE Colorado SR22 Quotes!

Colorado SR22 Insurance

Friday, July 18th, 2008

What is Colorado SR22 Insurance?

Colorado SR-22 insurance is necessary to have your driver’s license reinstated after a suspension, and is a way to provide proof of insurance coverage and financial responsibility to the Colorado DMV. An SR22 filing is normally required if you are found to be driving uninsured, are convicted of a DUI/DWI, or get caught driving on a suspended license.

An SR22 filing will provide proof that you have the state required minimum amount of liability coverage.  Your insurance company will file the SR22 form with the Colorado DMV, and by filing the SR22 certificate, your insurance company agrees to notify the DMV if your policy lapses for any reason.  If this happens, your driver’s license will probably be suspended again because you are required to have insurance coverage in order to drive legally.

Free Colorado SR22 Insurance Quotes!