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Republic Washington
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Find the Best SR 22 Car Insurance in Republic

Mid-Columbia Insurance is Republic’s SR22 Insurance Agency and your source for trusted advice about getting your license back.

We are the bargain options for SR22 insurance around Republic. We quote the best vehicle insurers who are experts in SR22 insurance to see who provides the most competitive quote. If you need to get back on the road and hope to find affordable 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 enjoy serenity and start reasonable SR-22 vehicle insurance stress-free. Get real insurance quotes from the leading SR-22 car insurance companies so you can find the insurance policy that won’t break your budget.

SR 22 Frequently Asked Questions

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.

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.

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.

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.

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 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.

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’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 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.

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 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 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.

Top Things to Do By Republic

Knotty Pine Restaurant and Lounge

25 reviews

Bars, American (Traditional), Breakfast & Brunch
600-698 S Clark Ave, Republic, WA 99166
Republic Pizza Company

8 reviews

Pizza, Italian
31 N Keller St, Republic, WA 99166
Esther’s Restaurant

18 reviews

Mexican
90 N Clark Ave, Republic, WA 99166
Stonerose Interpretive Center

6 reviews

Museums
15 N Kean St, Republic, WA 99166
Pine Grove Junction Café

5 reviews

American (Traditional)
16267 N Hwy 21, Republic, WA 99166
Steve-O’s Restaurant

3 reviews

Pizza, Burgers, Beer Bar
30277 E Hwy 20, Republic, WA 99166

Just the Facts about Republic

Republic is a city in Ferry County, Washington, United States. The population was 1,073 at the 2010 census, a 12.5% increase on height of the 2000 Census. It is the county seat of Ferry County. It was the largest mining camp in the Republic mining District, and house to the “Hot Air Line” railway.

Republic was founded by gold prospectors in the late 19th century. Mining claims were first made along Eureka Creek upon March 1, 1896, after the northern half of the Colville Indian Reservation was vacated on February 21. On March 5, 1896, the Republic claim was staked by Thomas Ryan and Philip Creasor along Granite Creek, another branch of the Sanpoil River. The resulting Republic Mine eventually became the highest producer of gold in the county. On April 18 1896, the Republic Mining District, originally called the Eureka Mining District, was established. The first ore mill for admin low grade ore in the district was constructed in May, 1898, while highest grade ores were hauled 80 mi (130 km) east to Marcus, Washington partway by cart and after that via the Spokane Falls & Northern branch pedigree for the enduring distance. Between 1899 and 1900 stamp mills were build up at the Mountain Lion mine in the Northwest share of camp and the Republic Mine in the south resulting in a brief epoch where anything of the districts ore was milled in the camp. The Mountain Lion Gold Mining company 100-ton mill used a interest of mercury plate captivation followed by MacArthur-Forrest cyanide leaching. However due to much humiliate gold and silver recovery rates, combined behind the soon to arrive rail lines, the mill was soon shut down. The 200-ton Republic mill processed the ore by first roasting of the finely crushed ore, and subsequently cyanide leaching, with the first great quantity of ore creature processed in October 1900. In July 1901 the Republic mine and mill both shut alongside due to milling cost, and a nonattendance of plenty profitable ore instinctive recovered. Ores in the Republic District were noted to have increasing percentages of silver engagement in the belittle portions of the ore bodies, and the Republic mill did not allow more next a 50% return upon assayed ore value, dooming the mill. The Republic mine remained inactive until 1902 in imitation of the coming on of railroads in the town made mining profitable again. From 1902 to 1909 ore was freighted north to British Columbia and next west to smelters on the coast for processing, with periods where shipments going on to 1,000 st (6,400 kg) of ore a week were regular.

The Republic mining District encompassing Republic and the surrounding areas, had no defined borders as of 1909 as soon as the pubescent geologist Joseph B. Umpleby visited, but included six townships next a center “a Tiny west of the south halt of Curlew Lake”. At the become old of the visit Republic was the most important mining camp in the county and the largest taking into consideration an population of around 1,500.

In July 1897, Philip Creasor built a two-story hotel at the townsite, originally called Eureka. This town site was platted upon April 29 1898, and the reveal office name misused to Republic, since there was already a post office named Eureka in the own up of Washington. On May 8 1900, a special election was held which approved combination of Republic, and J.J. Sullivan was elected mayor. The town was after that officially incorporated upon May 22 1900, and had a population of not quite 1800. Two remove rail lines granted entry to the area, Great Northern Railways Spokane Falls & Northern branch heritage and the locally owned Republic and Kettle Valley Railway, commonly called the “Hot expose line” from Grand Forks, British Columbia.

The Spokane and British Columbia Railway, originally the Republic and Kettle Valley Railway, was a curt lived standard-gauge private rail company based out of Republic functioning between Republic, Grand Forks and Lynch Creek British Columbia. The line was locally known as the “Hot Air line”. The stock began operation in 1902 as the Republic and Kettle Valley Railway, before bodily bought out in 1916. The company was initially incorporated in 1901 bearing in mind J. Stratton as president, with construction of the line between Republic and Danville, Washington at the United States-Canadian affix being settled to the Republic and Grand Forks Construction Company, itself owned by Stratton. The rail extraction paralleled the Great Northern spur lineage from Republic through Malo and Curlew, Washington to Danville. The northern heritage was initially surveyed by the Republic and Kettle River company, but they were forced to build on higher ground more than the Great Northern home boundaries. On January 2, 1902 the railroad was also qualified by the Secretary of the Interior to conduct surveying for a southern line though the Colville Indian Reservation along the Sanpoil River.

Source: Republic, Washington in Wikipedia