No. You cannot drive a car without insurance whether or not you have an SR22. You probably are required to have the SR-22 endorsement because you were previously caught driving without insurance. If you want to loose you license for a matter of years then go ahead and you won't have to worry about driving any more.
The insurance company is not the one who decides whether or not you are required to have an SR-22 or for how long you must keep it. This is up to the Department of Motor Vehicles or Department of Public Safety for your state. I don't know of any reason that would require you to carry the SR-22 for 21 years unless you've been extremely bad. As a matter of full disclosure, I own and operate a small Independent Insurance Agency and have for the part 22 years. Before that I worked as an agent for a direct writer insurance company.
Everything depends on: how you drive - the passengers or loads you carry - the conditions you are driving in - whether your AWD (All Wheel Drive) is engaged a good portion of the time - and whether you are in urban or highway driving environments. I own a 2000 2WD CR-V with about 88,000 miles and average about 22-24 MPG.
The cost of the cheapest SR-22 insurance depends on many factors such as location and your personal driving record and vehicle. However, the cheapest you will generally find SR-22 insurance is around $30-$40 a month depending on your location and other factors.
its actually called an SR-22 insurance form. It stands for Signed Risk Insurance. Its a type of high risk insurance which is required by many states after being convicted of a DUI or being caught driving without insurance. It proves financial responsibility to the state. It comes in an operatorspolicy that covers only your drivers license, if you don't have any vehicles in your name. If you have vehicles in your name, you have to file an owner's policy SR-22 which covers both your driver's license and your vehicles. You are usually required to carry an Sr-22 for a minimum of 3 years. n some cause, it may be longer. In the case of a DUI, if you get a restricted license, you have to file an sr-22 for the length of your restricted license plus 3 years after you get your full driving privileges back. Hope this helps
Auto insurance companies do not require drivers to file an SR-22, however, the DMV does. If you have been caught of driving without insurance or you have been convicted of a DUI you may be required to file an SR-22 with the DMV to prove you maintain continuous auto insurance coverage. SR-22's are proof of financially responsibility. By filing this form, your insurance company will notify the DMV when your policy lapses or is cancelled.
Driving with no auto insurance is considered one of the more serious offenses you can commit well driving a vehicle. With that in mind some common things that happen if you are found driving without insurance include having your driver's license suspended, having your vehicle registration suspended, receiving a traffic ticket, hefty fines, and that you file an SR-22.
The average time that you have to carry a SS-22 on your auto insurance is between one and five years depending on the judgment against you. You do not have to carry a SS-22 in the states of Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania.
Depends on what you were charged with. An SR 22 IS insurance- insurance for high risk drivers, such as people convicted of DUI, driving without insurance, etc. It will not hurt, may not help a whole lot, depending on your record. But will help some.
All insurance companies will insure a high risk driver but they will charge a premium for the insurance policy. You can take out SR-22 if you have had a suspended license. You can go to driving school to reduce your points.
The average cost of car insurance for a 22 year old female is $50. However, the exact amount for each individual will be affected by various factors including the person's driving and accident history.
This really depends on the State you are moving to. When You are transfering a Drivers License from one state to another, Each State has its own Procedures on how they handle past driving history. Normaly unless you have a Suspension , SR-22 Or other restriction, You do not carry over the previous driving history to your new license. But Insurance Companies can still use this against you when Determining rates.