I’m twenty four and have to do SR-22 filing on my car insurance. How do I manage this without paying too much?

Abby

Thank you for your question, Abby.

One good step towards getting a cheaper price for your SR-22 filing is modifying the car you drive to fit the needs of your car insurance company. There is a certain kind of car that is ideal to car insurance companies. It is a safe car that is medium sized and a few years old. Avoid large vehicles such as SUVs, which may be safe for you but cause a lot of damage–and the one thing that you really want to minimize in your car insurance company’s eyes if you have a DUI conviction is the damage that you could possibly cause to other people.

It also might be a good idea to stick to being on your parent’s car insurance policy. While this might not be an attractive decision for you as someone who is probably fully out on her own at the age of twenty four, the more people you have on a policy the cheaper a price you have to pay for your premium. So long as you paid your end of the bill, your being on it wouldn’t do them any harm.

Cheers,

Fashun Guadarrama.

Even if you can’t get the need to have SR 22 car insurance dropped, defensive driving classes can still get you better SR 22 car insurance rates. Most car insurance companies offer a rate discount for people who take driving classes, sometimes for as much as ten percent.

These types of classes are available everywhere. For seniors, they can be gotten cheaply from the AARP. There is a traveling defensive driving course geared towards teenagers that is led by a race car driver. Defensive driving courses are given at community colleges and high schools, and you can get a course on DVD from your local video rental shop.