// Cheap SR-22 Insurance Rates • Lake Stevens WA

Cheap SR22 Insurance
Lake Stevens Washington
Owner & Non-Owner SR22s

Broad Form Insurance Shop

Find the Best SR-22 Insurance in Lake Stevens

Mid-Columbia Insurance is Lake Stevens’s SR22 Insurance Agency and the best place for credible information about getting your license back.

We are the economical options for SR22 vehicle insurance in Lake Stevens. We compare the best car insurers that are experts in SR22 insurance to find who provides the most affordable rate. If you need to start driving again and need low cost SR-22 insurance, you can depend on us to do all the hard work for you.

We purposefully compare each SR22 insurance quote so you can enjoy serenity and buy low-cost SR-22 auto insurance worry-free. Get real insurance quotes from the leading SR-22 insurance companies so you can find the insurance policy that best fits your wallet.

SR-22 Frequently Asked Questions FAQs

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’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.

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.

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.

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.

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 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.

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.

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.

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Just the Facts about Lake Stevens

Lake Stevens is a city in Snohomish County, Washington, United States, and is named for the lake that it surrounds. It is located 6 miles (9.7 km) east of Everett and borders the cities of Marysville to the northwest and Snohomish to the south. The city’s population was 28,069 at the 2010 census, but has in the past grown to an estimated 33,911.

The lake was named in 1859 for territorial officer Isaac Stevens and was originally home to the Skykomish in the Pilchuck River basin. The first modern settlement upon Lake Stevens was founded at the northeastern corner of the lake in 1889. It was superior sold to the Rucker Brothers, who opened a sawmill in 1907 that spurred early lump in the area, but closed in 1925 after the second of two major fires. The Lake Stevens Place then became a resort community back developing into a commuter town in the 1960s and 1970s.

Lake Stevens was incorporated as a city in 1960, following an exodus of businesses from the downtown area to a other shopping center. The city has in the past grown through annexations to encompass most of the lake, including the indigenous shopping center, and quadrupled in population from 2000 to 2010. A revitalized downtown area is planned alongside additional civic buildings in the 2020s.

Lake Stevens was named in 1859 for territorial bureaucrat Isaac Stevens and was originally listed as “Stevens Lake” on into the future maps. The Place around the lake was used for berry gathering by the indigenous Skykomish, who as well as used most of the Pilchuck River basin for hunting. The first homesteads concerning the lake were established by emigrants in the 1880s, beginning subsequently Joseph William Davison’s 160-acre (0.65 km2) claim along the east shore filed in 1886. A two-block townsite at the northeast fall of the lake named “Outing” was claimed on October 8, 1889, by Charles A. Missimer and platted the once year. The construction of the Seattle, Lake Shore and Eastern Railway along the eastern side of the Pilchuck River Valley in 1889 spurred the commencement of more settlements in the area. Among them were Machias in 1890, which was followed by Hartford (originally named “Ferry”), later a major junction for the Everett and Monte Cristo Railway completed in 1892.

Outing was forward-looking vacated and sold along with various investors since the townsite was acquired in 1905 by the Rucker Brothers, who planned to construct a sawmill after a previous venture by Jacob Falconer had failed. The Rucker Brothers build up a railroad spur from Hartford and redirected the flow of Cassidy Creek, the main outlet of the lake, to prepare land for their shingle mill, which opened in 1907. A plat for the town of Lake Stevens was filed by the Rucker Brothers upon February 8, 1908, including a situation district and residences to accommodate the mill’s 250 workers. The sawmill, one of the largest in the United States, was partially destroyed in a 1919 ember and forward-thinking rebuilt. It was continually closed after a second blaze in 1925 and dismantled, causing many residents to leave the area. One of the remnants from the outdated mill was a locomotive that sunk in the in advance 1910s and was rediscovered in 1995 by a U.S. Navy training team, following a demand from the local historical society.

Source: Lake Stevens, Washington in Wikipedia