High-Risk Drivers May No Longer be Eligible for Regular Car Insurance Quotes in Texas
If you are a high-risk driver and have gotten your license removed or suspended, you will not be able to search for regular car insurance quotes in Texas. In order to get your driver's license back, you will need to have a certain type of insurance called a SR22 policy.
The SR in a SR22 policy stands for "Safety Responsibility." It has been specifically created for high-risk drivers, and for most people will need to be kept on file for two years from the day you were convicted. In order to get this policy and reinstate your license, you will also need to pay a $100 reinstatement fee. There are many things that can get you labeled as a high-risk driver, such as: getting a DUI (driving while under the influence), drug offenses, a VDLR (violation of driver's license restriction), a DWI (driving while impaired), and habitual violations. If you have received four traffic violations within a 12-month period, or seven in 24 months, Texas will suspend your license.
A SR22 insurance policy must meet the minimum liability requirements for Texas, which are currently set at $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. Once you have an activated policy, the insurance company will contact the Texas Department of Public Safety and let them know you meet the SR22 requirements. If you have a lapse in coverage, the auto insurance company will notify the state of Texas with something called an SR26 Filing, and you will likely receive another suspension of your license. You will also have to pay more fees, and obtain another SR22 policy. It is very important to pay your premiums on time.
If you need to send in your SR22 form, you can mail or fax it to The Texas Department of Safety, which is located in Austin. You can also submit it in person to one of four locations across Texas – Austin, Houston, Garland, and Universal City. You can find these addresses online.
Having a high-risk policy will mean you pay more for your car insurance than others, but you can still search for the lowest price in the same way you do for typical car insurance quotes in Texas. To get the best price, shop around at as many carriers as you can, and remember that living in the city will likely cause you to pay more than if you lived in a rural area. However, having an adequate policy and getting your driver's license reinstated is important so you can begin rebuilding your driving history and get back to purchasing regular car insurance quotes in Texas.
Although you might not be eligible for discounts like you were in the past, you can still benefit from taking a defensive driver's class. This will show insurance companies and the state of Texas that you are serious about improving your driver safety. You can take these classes online, in person, or sometimes by video.
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