Budgeting Tips for Drivers With SR-22 Requirements

If you’re required to carry an SR-22 in South Carolina, you may be facing higher auto insurance premiums and additional fees. Our team at Select Insurance can help you navigate the financial challenges of SR-22 requirements and keep your coverage at favorable rates.

Understanding SR-22

An SR-22 is a certificate your insurer files with the state to prove you have the required coverage. In South Carolina, drivers may need an SR-22 after certain violations, such as DUI or driving without insurance. This requirement often leads to increased premiums, making it important to plan your budget carefully.

Tips for Managing SR-22-Related Expenses

An SR-22 often comes with added expenses beyond a standard auto policy. Here are some ways to help you manage higher premiums and related costs.

1. Shop around for coverage—Insurance rates can vary widely between providers, especially for drivers with SR-22 requirements.
2. Adjust your coverage—Review your policy with our team to see if you can adjust deductibles or remove optional coverage you may not need.
3. Maintain a clean driving record— Avoid additional violations, as a clean record may eventually qualify you for lower rates.
4. Set up a payment plan—Many insurers offer flexible payment options. Setting up automatic payments or choosing a monthly plan can help you manage your budget and avoid missed payments or lapses in coverage.
5. Ask for discounts—Some insurers offer discounts for bundling auto and home insurance, completing defensive driving courses or maintaining continuous coverage.

We’re Here to Help

Our team at Select Insurance can assist South Carolina drivers in filing for an SR-22. If you need further guidance or would like to explore your auto insurance options, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.