Affordable SR22 Insurance
Kalama Washington
Owner & Non-Owner SR22s

Broad Form Insurance Shop

Find the Most Affordable SR 22 Insurance in Kalama

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

We are the bargain options for SR-22 insurance around Kalama. We quote the top-rated car insurance companies that are experts in SR22 insurance to see who provides the most affordable rate. If you’re looking to take care of a DUI and need low cost SR22 insurance, you can depend on us to do all the hard work for you.

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

SR-22 Frequently Asked Questions

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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Just the Facts about Kalama

Kalama is a city in Cowlitz County, Washington, United States. It is ration of the Longview, Washington Metropolitan Statistical Area. The population was 2,344, according to the 2010 census.

Kalama was first contracted by Native Americans, particularly members of the Cowlitz Indian Tribes. The first white settler recorded was in 1853. That first settler was Ezra Meeker and his family. Only one year later, Meeker moved to north Puyallup, Washington, but he sold his Donation Land Claim to a Mr. Davenport, who, with a few others, permanently settled in the Kalama area. In at the forefront 1870, Northern Pacific Railway scouts came to Cowlitz County to locate an ideal terminus along the Columbia River. After a fruitless negotiation for a Donation Land Claim in Martin’s Bluff, four miles south of Kalama, Northern Pacific officials purchased 700 acres in Kalama for the terminus of the further railroad as competently as a supplementary headquarters. The population swelled in imitation of employees of the Northern Pacific Railway.

Kalama was unquestionably a Northern Pacific railroad creation. It was unofficially born in May 1870 with the Northern Pacific railroad turned the first shovel of dirt. Northern Pacific built a dock, a sawmill, a car shop, a roundhouse, a turntable, hotels, a hospital, stores, homes. In just a few months in 1870, the full of zip population skyrocketed to nearly 3,500 and the town had bonus tents, saloons, a brewery, and a gambling hall. Soon the town had a motto: “Rail Meets Sail”. Recruiters went to San Francisco and recruited Chinese labor, who moved to their own Chinatown in a allocation of Kalama now called China Gardens. The population of Kalama peaked at 5,000 people, but in in the future 1874, the railroad moved its headquarters to Tacoma, and by 1877, only 700 people remained in Kalama.

Kalama was unofficially incorporated upon November 29, 1871. It served as the county seat of Cowlitz County from 1872 to 1922. Kalama was the northern terminus of a railroad ferry operated by the Northern Pacific Railway from Goble, Oregon. This was a vital link in rail foster between 1883 as soon as the abet began until 1909 when the major rail bridges in Portland were completed. Kalama originated later than a stake driven by Gen. John W. Sprague of the Northern Pacific Railway who in March 1870 selected a spot close the mouth of the Kalama river to mark the beginning narrowing of Northern Pacific’s Pacific Division. From that stake, the Northern Pacific began building north to Puget Sound, ultimately reaching Commencement Bay at what was to become Tacoma in the past going bankrupt. Construction began in April 1871 in the vent of a crew of 800 men, with the official ‘first spike’ being driven in May 1871 Scheduled assist from Tacoma to Kalama began upon January 5, 1874. The Portland-Hunters line was completed about the similar time that the ceremonial spike was driven west of Helena, Montana to mark the ability of the transcontinental Northern Pacific Railroad in the slip of 1883. The in the spread of year in October 1884, a 3 track, 360-foot (110 m) long railroad ferry marked the coming on of 25 years of ferry sustain across the Columbia River.
Hunters was located close the south fade away of Sandy Island more or less a mile south of Goble. However the crossing era were excessive subsequently the Tacoma had to work adjoining the tide, and the ferry slip was soon moved to Goble at the north fall of Sandy Island and directly across from Kalama. The ferry could handle 12 passenger cars or 27 freight cars.

St. Joseph’s Catholic Parish was built in 1874, around the thesame time the railroad between Kalama and Tacoma first became operational. This was the first and lonesome Catholic Parish in Kalama.

Source: Kalama, Washington in Wikipedia