Low Price SR-22 Insurance
North Bend Washington
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Get the Cheapest SR 22 Car Insurance in North Bend

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

We are the most affordable options for SR 22 auto insurance around North Bend. We quote the best vehicle insurance companies who specialize in SR22 insurance to see who provides the most budget friendly quote. If you need to take care of a DUI and hope to find cheap SR-22 insurance, you can depend on us to do all the hard work for you.

We eagerly compare each SR22 insurance quote so you can relax and buy affordable SR-22 vehicle insurance stress-free. Let us get you real insurance quotes from the leading SR-22 auto insurance companies so you can find the policy that won’t break your budget.

SR 22 Frequently Asked Questions FAQs

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.

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.

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 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.

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.

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’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.

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.

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 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.

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 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.

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Just the Facts about North Bend

North Bend is a city in King County, Washington, United States, on the outskirts of the Seattle metropolitan area. The population was 5,731 at the 2010 census and an estimated 7,136 in 2018.

Since the deferment of Weyerhaeuser’s Snoqualmie sawmill, North Bend has become a prosperous bedroom community for Seattle, located practically 30 miles (48 km) to the west. The town was made famous by David Lynch’s television series Twin Peaks, which was partially filmed in North Bend. The community is also home to Nintendo North Bend, the main North American production capability and distribution center for the video game console manufacturer Nintendo.

The Snoqualmie Indian Tribe has resided in the Snoqualmie Prairie, including the Place now known as North Bend, for thousands of years. This prairie southeast of Snoqualmie Falls was the ancestral home, hunting and forage grounds for the Snoqualmie people and was located in the upper Snoqualmie Valley close the Snoqualmie River fork confluence, Mount Si, and the western foothills of the Cascade Range.

One of the first explorers to the upper Snoqualmie Valley was Samuel Hancock who arrived in 1851. Hancock traveled upriver with his Snoqualmie guides, fording canoes something like the falls to achieve Snoqualmie Prairie, searching for coal deposits. He was taken to a “very extensive and fertile prairie” about two miles above Snoqualmie Falls. The beautiful entrance grassland came to be known as the Snoqualmie Prairie, the heart of which is now known as Tollgate and Meadowbrook farms. The Snoqualmies, led by Chief Patkanim, later sided like early settlers in the 1850s Indian Wars and were one of the signatory tribes of the Treaty of Point Elliott in 1855, which futile to assign an Indian reservation for the Snoqualmies. Some of the soldiers in those wars, such as the brothers and sisters Kellogg, established cabins near remaining Snoqualmie blockhouses; however, the first remaining American resident in the valley was Jeremiah Borst, who arrived in 1858.

After the Homestead Act of 1862, more settlers ventured to the Snoqualmie Valley, with the first families settling near Borst upon the easterly halt of Snoqualmie Prairie. In 1865, Matts Peterson homesteaded the site that ultimately became North Bend. In 1879, Peterson sold the property to Borst and moved east of the Cascades. Borst wrote to Will Taylor, who had left the Pacific Northwest to pursue mining in California, and offered him the Peterson homestead in difference of opinion for labor. Taylor returned and became the driving force in developing the town though expanding his property to count up a successful trading publicize and boarding home for travelers beyond Snoqualmie Pass. On February 16, 1889, with the upcoming railroad boom, Taylor formally platted a town including his farm, upcoming street plans and building lots, giving it the name “Snoqualmie”. Later that summer, competing Seattle house speculators afterward platted nearby “Snoqualmie Falls”, choosing a thesame name. Pressured by demands of the Seattle, Lake Shore and Eastern Railway to avoid confusion, Taylor reluctantly renamed his town “Mountain View”. However, the U.S. Post Office Department objected to “Mountain View”, as a town subsequent to that say already existed in northern Whatcom County. To conclude the issue Taylor entirely to constantly rename the community “North Bend”, after its prime location near the large northward fiddle with of the South and Middle Fork of the Snoqualmie River. Taylor was snooty of his new, thriving town, but by historical accounts, “He never got more than having his town say taken away.” North Bend was officially incorporated on March 12, 1909, and grew throughout the 20th century, with an prematurely economic focus upon logging, sawmill production, agricultural and dairy farming.

Source: North Bend, Washington in Wikipedia