// Cheap SR22 Insurance Prices • Kent WA

Cheap SR 22 Insurance
Kent Washington
Owner & Non-Owner SR22s

Broad Form Insurance Shop

Find the Most Affordable SR22 Car Insurance in Kent

Mid-Columbia Insurance is Kent’s SR22 Insurance Agency and your source for reliable info about reinstating your license.

We are the very competitive options for SR-22 insurance near Kent. We quote the best auto insurers who specialize in SR-22 insurance to find who provides the most budget friendly quote. If you want to start driving again and hope to find low cost SR22 insurance, you can rely on us to do all the hard work for you.

We diligently compare each SR22 insurance quote so you can enjoy serenity and buy low-cost SR22 vehicle insurance today. Get real insurance quotes from the leading SR22 car insurance companies so you can choose the insurance policy that won’t break your budget.

SR22 Frequently Asked Questions

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 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.

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 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 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.

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.

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.

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.

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 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’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.

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.

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Just the Facts about Kent

Kent is a city located in King County, Washington, United States. The sixth largest city in the state, Kent is in the heart of the Seattle–Tacoma metropolitan area. Kent is amalgamated to Seattle, Bellevue and Tacoma via State Route 167, Interstate 5, and the Sounder commuter rail network. Incorporated in 1890, it is the second oldest incorporated city in King County, after Seattle. Kent’s population as of April 2010 was 92,411 according to the 2010 census. Annexation on July 1, 2010 increased the population by 11,000. Kent is generally at odds into 3 sections: West Hill (mixed residential and commercial along Interstate 5), Valley (primarily industrial and want ad with some medium density residential; significant parkland along Green River), and East Hill (primarily residential in the same way as retail).

The Kent area was first permanently decided by European Americans in the 1850s along the banks of what was after that the White River. The first settler was Samuel Russell, who sailed the White and Duwamish rivers until he claimed a plot of land southeast of modern-day downtown Kent in the spring of 1853. Russell was followed by several other settlers who speedily staked claims almost the area. The settlements were originally known as “White River” and difficult the town was called “Titusville” after an in advance settler by the say of James Henry Titus. (There is still a “Titusville Station” sign upon Gowe Street near First Avenue). In 1861 a reveal office was established under the state White River and was located at the farm of David and Irena Neely who arranged in modern-day Kent in 1854. In 1855 their farm was attacked by Native Americans taking into account David Neely served as a lieutenant in the Territorial Army. Another settler was Henry L. Yesler, who was the first sawmill operator in Seattle. By 1870 the population was 277 and whatever of the setting bottom-land had been claimed.

Throughout the 1860s and 70’s, grain and forage crops such as wheat, barley, oats, hay, and timothy accounted for much of the annual reward of farmers in the valley. During the late 1870s the town discovered hops production as a major source of income. Due to an aphid assault which affected hops crops in Europe, hops from the Puget Sound area began to command high prices. Hops were shipped from Titusville either by the river or via rail. In 1889 the town was renamed for the County of Kent, the major hops-producing region in England. Ezra Meeker was asked by the Northern Pacific Railroad to name its station. Meeker suggested that it be known as Kent as it was “Hop Capitol of the West”. Hops production in the White River valley came to an end soon after its own assault of aphids in 1891.

Kent was officially incorporated upon May 28, 1890, with a population of 793, the second city incorporated in King County. Seattle was the first.

After the point of view of the 20th century the Place turned to dairy cultivation and was home to a Carnation abbreviated milk plant. Flooding from both the Green and the White Rivers was a constant problem. In 1906, flooding changed the course of the White River, which reduced the flood hazard by half. The Green River continued to present problems until the creation of the Howard A. Hanson Dam at Eagle Gorge in 1962.

Source: Kent, Washington in Wikipedia