Cheap SR 22 Insurance
Camano Washington
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Buy the Top SR22 Auto Insurance in Camano

Mid-Columbia Insurance is Camano’s SR22 Insurance Agency and the best place for dependable facts about getting your license back.

We are the best options for SR-22 auto insurance in Camano. We quote the best auto insurance companies who specialize in SR22 insurance to see who provides the least expensive price. If you need to take care of a DUI and want cheap SR22 insurance, you can rely on us to do all the hard work for you.

We enthusiastically compare each SR-22 insurance quote so you can breath easy and purchase bargain SR22 auto insurance today. Get real insurance quotes from the leading SR22 car insurance companies so you can find the insurance policy that best fits your wallet.

SR 22 FAQs

What is an SR22 insurance policy?

An SR22 is simply a certificate sent electronically to the Department of Licensing (DOL) that documents you have active car insurance. Sometimes an SR22 is referred to as a Certificate of Financial Responsibility filing.

Although referred to as “SR-22 insurance,” An SR-22 is not actually insurance but instead is simply an endorsement to regular insurance policy. This endorsement is filed with the state as proof that you have insurance. The SR22 notifies the state that you have insurance in force and promises to notify them if your policy cancels.

Why is an SR22 insurance filing required?

An SR22 is normally required to reinstate your driving privileges after being convicted of a serious driving offense. You’ll know you need an SR22 and for how long when you are informed by the court. An SR22 may be required for a variety of reasons. Some of the most common reasons an SR22 may be required include:

  • Driving under the influence (DUI) (aka driving while intoxicated (DWI)) or other alcohol related violations
  • Serious traffic offense convictions, such as reckless or negligent driving
  • Several traffic offenses in a short time period
  • Driving with a suspended license
  • At-Fault accident while driving without insurance, and even
  • Driving without insurance in Oregon (even though you live in Washington)

The SR-22 requirement just means that proof of insurance has to be sent to the state and is one step towards getting your license reinstated and getting you back on the road.

How long is an SR22 insurance form required?

An SR22 is usually required for 3 years but can vary based on the offense. You should contact the Department of Licensing (DOL) directly to find out the exact date you no longer need an SR22 since the 3-year requirement may start from the date you got the ticket, the conviction date, or the date when you finally reinstated your license.

Be sure not to cancel your SR22 before the requirement is lifted since your insurer is required to inform the DOL that you no longer have an SR22 and your license could be suspended or revoked again. A simple call to the DOL is usually all that is required to find out how long you will need to carry the SR22.

Where do you get SR22 insurance?

If you currently have insurance you can ask your agent to add the SR22 to your existing policy. If you don’t have insurance then you must start an insurance policy with an SR22 filing

Some preferred insurance carriers, if you inform them you need an SR22, might at renewal raise your rates significantly or cancel your policy. If you don’t want to jeopardize your existing coverage, talk to us about a Broad Form SR22 policy. It can be very inexpensive and should allow you to keep your preferred rates.

What if I need an SR22 in one state but live in another state?

Normally your SR22 is required to be filed with the state where you received the ticket but your policy has to be in your home state. So you will have to find an insurance company in your home state that can file the out-of-state SR22 for you. This is another good reason to use an independent agency like Mid-Columbia Insurance since we represent a number of companies, each able to file SR22s in various states.

How much does SR22 insurance cost a month?

Most insurance companies charge about $5 per month to file your SR22 with the Department of Licensing. Dairyland Insurance, one of our premier insurance partners, will do the SR22 filing for free, not charging anything extra for handling the SR22 for you. Other insurers not only charge the $25 filing fee but also surcharge your policy.

This is why it is important to work with an independent agency like Mid-Columbia Insurance that partners with multiple companies to be sure you are getting more than one option to choose from.

What is Non-Owner SR22 insurance?

Getting an SR22 added to a new Non-Owner insurance policy can be a cheap solution if you already have all your vehicles insured with a preferred company and you don’t want to move the insurance to a high-risk insurance company. Your original policy would be your primary insurance and your SR22 policy would provide the required SR22 without switching your primary insurance.

In Washington state we have a broad form policy that is a better option for those needing a stand-alone SR22 policy than a non-owned policy because non-owned policies don’t cover many borrowed vehicles but a broad form policy will. So, if you don’t want to lose your primary insurance provider due to your SR22 requirement, buying a separate broad form SR22 policy to handle the SR22 requirement may be a smart move.

What’s the difference between SR22 and regular insurance?

The difference between SR22 Insurance and regular insurance is that an SR22 is simply an electronic insurance card that the insurance company sends to the Department of Licensing (DOL) to notify them that you have regular insurance. An SR22 is not insurance. It is proof of insurance.

I don’t own a car, do I still need to file an SR22?

If your license has been suspended, whether you own a car or not is irrelevant. You will need an SR22 if you plan on getting your license reinstated. If you were told by the Department of Licensing that you need to get an SR22 to restore your driving privileges, give us a call!

If you don’t own a car and need an SR22, no problem. Washington drivers are eligible for a Broad Form insurance policy that provides coverage for any car you drive for personal use — owned or non-owned. We are the Broad Form SR22 Insurance experts.

What happens if my SR22 insurance cancels?

If you are required to have an SR22 filing and you allow your policy to cancel for non-payment, you could face having to pay reinstatement fees and penalties with the DOL.

When your SR22 policy cancels or lapses, your insurance company is legally required to send an SR-26 form to the state to let them know that your policy is no longer active. If not handled promptly, the state will re-suspend your driver’s license and you will need to jump through all the hoops and pay all the fees required to reinstate your license once again.

What happens if I am late paying my SR22 insurance?

Paying late can trigger a notice to the DOL saying your policy is in danger of cancellation. Your insurance company must keep the state notified of your policy status. A notice may be sent to the state saying your policy is cancelled while you are actually in a grace period because of mail and processing delays.

Late payment frustrations can be huge. Multiple calls to the DOL and your insurance company, proving to the DOL you have coverage, and trying to get avoidable DOL fees removed just because you got behind on your car insurance premiums.

Can I get SR22 insurance without a car?

Yes, if you do not own a car but are required to have an SR22 then the solution in Washington state is either a non-owners or a broad form insurance policy. These types of policies will offer the same coverage as a regular insurance policy without limiting coverage to specific vehicles.

A broad form policy is a smart choice for someone who does not own a car but needs an SR22 and wants to be able to drive. Once you get a car you can either get a policy on that car or keep your broad form policy since it covers owned and non-owned vehicles.

Do I need SR22 and regular insurance?

No, you do not need both regular insurance and SR22 insurance since an SR22 is simply a rider on a regular insurance policy. However, you may not want to jeopardize your preferred insurance policy by informing your insurance agent that you need an SR22. If this is the case you can keep you preferred “full coverage” policy and get a separate barebones policy to handle the SR22.

Top Things to Do Near Camano

Cama Beach Cafe & Catering

65 reviews

Cafes
1880 SW Camano Dr, Camano Island, WA 98282
Cama Beach State Park

41 reviews

Parks
1880 SW Camano Dr, Camano Island, WA 98282
Whidbey Pies Cafe & Catering

127 reviews

Cafes
765 Wonn Rd, Greenbank, WA 98253
Camano Island State Park

36 reviews

Parks, Hiking
2269 Lowell Point Rd, Camano Island, WA 98292
Shima Japanese Restaurant

122 reviews

Sushi Bars, Japanese
10007 270th St NW, Stanwood, WA 98292
Camano Island Coffee Roasters

58 reviews

Coffee & Tea
848 N Sunrise Blvd, Bldg B, Camano Island, WA 98282

Just the Facts about Camano

Camano Island is a large island in Possession Sound, a section of Puget Sound. It is portion of Island County, Washington, and is located surrounded by Whidbey Island and the mainland (Snohomish County) by the Saratoga Passage to the west and Port Susan and Davis Slough to the east. The island has one road attachment to the mainland, via State Route 532 more than the Camano Gateway Bridge at the northeast terminate of the island, connecting to the city of Stanwood.

The island has a total area of 39.77 square miles (103.0 km2), making it one of the largest in the let in of Washington. It has a year-round population of 15,661 as of the 2010 census. The population peaks at over 17,000 during the summer months due to part-time residents with trip homes on the island. It is an unincorporated area with several little communities and shares civic facilities with straightforward Stanwood, including its intellectual district, post office, and emergency services.

Camano Island is house to two welcome parks, Cama Beach and Camano Island State Park, and several county and local parks.

Camano Island was named in 1790 for the Spanish fortune-hunter Jacinto Caamaño by compatriot Francisco de Eliza, who mapped Admiralty Inlet. The native name of the island was Kal-lut-chin which in the language of the original Snohomish tribe means “land jutting into a bay”. They used the island as a base during the fishing and shellfish increase expeditions. Charles Wilkes, during the Wilkes Expedition of 1838–1842, named it MacDonough Island in rave review of Thomas MacDonough for his victory of the Battle of Lake Champlain during the War of 1812. Following this theme, Wilkes named the body of water along with Camano and Whidbey Island after MacDonough’s flagship the Saratoga. When Henry Kellett reorganized the ascribed British Admiralty charts in 1847, he removed Wilkes’ name MacDonough and bestowed the name Camano, which the Spanish had originally supreme to Admiralty Inlet in 1790. Wilkes’ name Saratoga Passage was retained.

Jacinto Caamaño explored much of the Pacific Northwest going as far away north as what is now Alaska for the Spanish. He began his expedition far and wide to the south in San Blas, Mexico. In complement to its Snohomish read out the island has next been known as Macdonough Island named for Thomas Macdonough a U.S. Navy official during the War of 1812 and as Perry Island after an 1855 concurrence between local Native Americans and Washington Territory official Isaac Stevens. The first Euro-American settlers on the island arrived at the mature of the signing of the treaty. The island was afterward called Crow Island during the prematurely 20th century. The ahead of its time translation of Camano into the Lushootseed language, used by Coast Salish tribes, is ʔəw̓alus.

Source: Camano, Washington in Wikipedia