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There are a number of reasons why you may need SR22 insurance in South Carolina. In most cases, you're required to have SR22 insurance for Driving Under the Influence, driving while suspended or driving without being insured. Before going into more information related to suspension periods, SR22 charges, costs and other criteria, it is a good idea to recognize what SR22 really is. Mistakenly, quite a few consumers presume that SR22 is a unique type of insurance coverage they need to purchase. In actual fact, what SR22 insurance really means is just a proof of insurance. All you need to do is tell your insurance provider to submit a document to the DMV, which declares that you have the essential car insurance protection. A non-owner SR22 car insurance is needed when you must present a proof of insurance but you don't have a car. In South carolina, SR22 insurance is demanded for a time period of three years, typically starting from the end of the suspension period. In case you acquire a provisional license, SR22 insurance will still be needed for 6 months. The suspension period depends on the earlier conviction. For Driving Under the Influence: First Offence - 6 months 2nd Offence - 1 year Third Offence - 2 years When you have committed 4 or more violations, your drivers license will be revoked. For a felony Dui you will lose your drivers license for three years as well as time served in prison. For driving uninsured the suspension period is thirty days. If you are driving even though suspended, a new suspension period will be added and it may be from thirty days, or the length of the first suspension, up to 3 months. South Carolina SR22 Fees and Auto Insurance Requirements The reinstatement charge is $100 for every single suspension. In some instances a higher amount may well be demanded. The bare minimum limits for which you should obtain car insurance cover are: BIL -Bodily Injury Lability - $25,000 per person and $50,000 per accident PDL - Property Damage Liability - $25,000 per accident Finding Cheap SR22 Insurance in South Carolina Commonly, aside from the reinstatement payment, having to hold an evidence of insurance in South carolina translates as more costly vehicle insurance rates. Most insurance companies will probably put you in the "high risk driver" group and it is not hard to determine that higher risk means higher monthly costs. Still, you should not just resign to the idea that for 3 years you must spend too much for SR22 insurance. Do not forget that there are some other elements in play, when auto insurance premiums are determined, like the make and model of your vehicle, your credit rating and area of residency. You could take a defence driving class and demonstrate that you're a trustworthy motorist. Driving less and using the trains and buses will reduce your early mileage and insurance premium as well. Still, the simplest and most effective thing you should do is to compare SR22 insurance quotes on-line. In less than a couple of minutes you will obtain quotes from several insurance companies. The difference in price is often shocking. You may possibly even save up to $450! Find out more about Auto Insurance For High Risk Drivers
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