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How to Find Affordable Insurance When You Have an SR-22 in Georgia  

smiling young man behind the wheel with coffee cup

If the state of Georgis is requiring you to file an SR-22, you may be wondering what impact it will have on your ability to obtain insurance in the future. And this is an important question to ask. Having a mark like this on your record can seriously affect your ability to get coverage in Georgia. 

Each insurer has its own policies and pricing when it comes to high-risk drivers. It’s important to know, however, that having an SR-22 doesn’t necessarily mean you won’t be able to get covered. In fact, many companies specialize in high-risk drivers. 

If you have an SR-22 and are worried about your future policy options, don’t panic. In this article, we’ll explain how to find affordable rates when you’ve been designated a high-risk driver in Georgia. 

What Is an SR-22?  

It is a form filed with the state to show proof that a high-risk driver has the required financial responsibility. It is required by Georgia if a driver needs to have their license reinstated or if they have been convicted of certain driving offenses. Essentially, it verifies you carry the minimum amount of auto coverage required by law. Sometimes it is called DUI insurance. 

What to Do If You Need One in Georgia 

There’s no denying it: The world of auto policies can be confusing. And if you’re facing the reality of needing an SR-22 in Georgia, things may be feeling even more overwhelming. But don’t worry. It’s not as bad as you think. And there are still affordable options out there for you. 

The key to navigating an SR-22 and coming out on the other side with affordable rates is to work with a provider that caters to high-risk drivers. When you work with a provider who is experienced in these kinds of situations, you can rest easy knowing that you’ll be cruising down the highway again in no time. 

If you have a poor driving record and want to find the best rate possible, here’s what you need to do. 

  • Shop Around for Quotes 

So, you’ve found yourself in the SR-22 club in Georgia. Don’t fret, my friend. It’s more common than you think. And while it may feel like you’re on a rollercoaster ride, there are still plenty of options available for you. But before you settle on a policy, it’s important to shop around for the best rates. 

Don’t be afraid to do some comparison shopping and see what different companies can offer. The good news is that just because you have a bad record, it doesn’t mean you have to empty your bank account paying for insurance. With a little research and some smart shopping, you’ll find an affordable policy that meets your needs. So buckle up and get started! 

  • Adjust Your Coverage Limits 

Another option to obtain affordable rates is to adjust your coverage limits. But before making any changes, it’s important to weigh the pros and cons. While lowering your limits can result in a lower monthly premium, it also means that you’ll be responsible for more costs if you ever need to file a claim.  

Think about what you can realistically afford and what kind of coverage will give you peace of mind. Finding the right policy is a balancing act. But with a little research and guidance from your independent agent, you can find the right coverage for your budget. 

Worried young woman sits in her car

  • Bundle Your Policies 

Bundling your policies can be a surprisingly effective way to save some cash and give yourself some peace of mind when shopping for DUI insurance. Because when you think about it, isn’t it nice to know that you’ve got both your car and your apartment covered in one place? This tactic invariably lowers your rates and can make the experience of obtaining rate quotes after a conviction more manageable. 

  • Keep Your Record Clean

Maintaining a clean record after something like this can be the key to unlocking more affordable rates in the future. It’s not easy, but it’s possible. You might want to invest in a defensive-driving course and build a supportive community of people who will hold you accountable. The worst possible thing you can do is get another DUI or drive without following your requirements when you already have a record with the state. 

Keep in mind that your carrier is legally required to report to the state if you have a lapse in coverage for even one day. It could very well start your requirement period over. 

Use an Independent Agent to Shop Around for the Best Rates 

Whatever you do, don’t get complacent. You don’t have to suffer high rates forever. Take control of your record and your rates. Show insurers and the state you’re serious about turning your driving record around. That’s the key to reaching long-term auto policy success. 

The frustration of finding a provider after an SR-22, coupled with higher rates, can be mind-boggling. But don’t let frustration get the best of you. With a little bit of research, you can quickly and easily find providers that offer more affordable rates. So don’t give up hope, and don’t hesitate to shop around for the best deal. Because, at the end of the day, you deserve a break – and some extra dollars in your pockets! 

Get Affordable SR-22 Insurance Today in Georgia

Looking for cheap DUI insurance in Georgia? Reach out to the helpful professionals at Southern Harvest for a quick, online quote or call us at 877-831-4677 or visit us at one of our convenient offices throughout the Peach State.