SR22 Motorcycle Insurance

Getting an insurance coverage for your motorcycle is expensive enough as it is. Add to this a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated) conviction and you are not likely to get any discounts on your motorcycle insurance. The best way to avoid the financial repercussions of a DUI or a DWI conviction is to not drink and drive in the first place. If you have already learned your lesson the hard way, then there is no other option for you but to face the consequences of your action. A year after your DUI or DWI conviction, you could earn back your driving privileges. At this point, however, you will be required by your state’s Department of Motor Vehicles (DMV) to get a liability insurance coverage at a set minimum coverage amount that is way higher than the standard coverages for most vehicles. Aside from DUI and DWI charges, other circumstances that would warrant this higher minimum required liability cover or the SR22 motorcycle insurance coverage would include reckless driving, moving violations, getting into at-fault accidents when underinsured/uninsured, and repeated traffic offenses.

An SR22 motorcycle insurance would require that your insurer submit the SR22 document to your state DMV in order to prove that you have at least the minimim required liability insurance coverage. Different states would have different minimum limits for an SR22 motorcycle insurance. Therefore, the premiums for SR22 motorcycle insurance would vary from state to state as well as from insurance company to insurance company. Although you might not have much of a choice in terms of the cost, there is still wisdom to shopping around for the best one and the cheapest one that you can find. Make sure that you get your quotes from several reliable insurance companies. You do not want to be hit with a double whammy when you get into an accident right after your license gets reinstated and find out that your SR22 motorcycle insurance is no good. Do your homework and find insurers with good claims track records in order to be sure that you are getting the coverage that you need. There are both big and small insurance companies that offer SR22 motorcycle insurance coverages. Getting quotes from several of these companies would be a good way to go about your search for the best SR22 motorcycle insurance coverage. Make a side-by-side comparison of these quotes to make sure that you are really getting a good deal without compromising certain coverage items.