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A Shopping Checklist for the Week Before Your SR-22 Is Due
A compact, printable sequence for getting an SR-22 or FR-44 filed without a lapse, without overpaying and without buying a policy you have to replace.
By Marisol Vega · Research Writer
Published
Answer in brief
The week you need to get an SR-22 in place is not the week to learn the vocabulary. This checklist covers what to gather, what to ask, what to compare and the order to do it in so the filing lands before the deadline and the premium behind it is the lowest you can reasonably find.
Gather
- The notice stating SR-22 or FR-44, required limits and duration.
- Licence number, conviction date, vehicle VIN (or confirmation that you need a non-owner policy).
- Your current declarations page, if you have one, to match coverage.
Ask every provider
- Do you file SR-22s/FR-44s electronically, and what is the fee?
- How many years do you rate a DUI?
- What is the total annual cost paid in full and paid monthly?
- Which discounts do I still qualify for?
Compare
- Identical limits and deductibles across at least three quotes.
- Total annual cost including all fees.
- Recovery path: a slightly higher price with a shorter lookback may be cheaper over three years.
Quote finder
Find auto insurance quotes that fit your situation
Bind and confirm
- Bind the new policy effective on or before any current policy ends.
- Get written confirmation that the filing was sent and accepted.
- Only then cancel any existing policy.
- Calendar the renewal date and the three-year mark.
The reasoning behind each step is in the SR-22 guide and the shopping guide.
Guides referenced in this post
Guide
SR-22 Insurance After a DUI
What an SR-22 is, how it differs from an FR-44, how long you need it, what it costs, and how to get one filed quickly after a DUI.
Guide
How to Shop for Car Insurance After a DUI
A step-by-step method for comparing car insurance quotes after a DUI: what to have ready, which questions to ask, how to compare like with like, and when to switch.
Guide
Non-Owner Car Insurance After a DUI
How a non-owner policy satisfies an SR-22 or FR-44 requirement when you do not own a car, what it covers, what it costs and when it is the wrong choice.