Getting a good deal on SR-22 car insurance doesn’t have to be bad enough to make you hallucinate like in this weird but funny video. The car insurance world can seem alien and confusing to navigate, but it is entirely possible, and even more necessary once you have to do SR-22 filing for your car insurance since the cost is much greater in this situation. In order to cut your costs in the quickest and most painless way possible, the first thing you should do is consider your current coverage and think seriously about whether or not you really need as much as you currently have.

How do you know how much coverage you need? Well, some people go into the car insurance office and simply say pile me up with the works. I know I did it before, a long time ago–except I said, give me what I can’t not have. The first step, then, is to figure out what kind of car insurance you are required to have in your state. Some states may require only liability, while others add on such things as uninsured motorist coverage and personal injury protection. Since you’re SR-22 filing, then you cannot have any less than this.

When it comes to things like the rest of the kinds of coverage, you need to consider the worth of your car. It’s pretty easy, now. If your car is worth less than a thousand dollars, then you don’t need things like comprehensive or collision coverage. Cutting down to the minimum level of car insurance can cut a big chunk out of your car insurance premium.