How to Compare Non-Owner SR-22 Quotes
The lowest monthly price is not always the best deal. Use these questions to compare non-owner SR-22 quotes side by side.
10 questions to ask every agent
- Do you file SR-22s electronically in my state?
- What is the SR-22 filing fee, and is it charged once or at each renewal?
- What are the liability limits on this quote?
- Is this a six-month or twelve-month term?
- What is the down payment, and what is each installment?
- Is there a paid-in-full discount?
- Is there a grace period for late payments?
- Can you file in my old state if I move?
- What happens if I buy a car during the term?
- Will you send me a copy of the filed SR-22?
Red flags
- An agent who will not tell you the filing fee before you pay
- An "SR-22 only" product with no actual insurance policy behind it
- Pressure to choose state-minimum limits without explaining the risk
- An agent who promises a guaranteed rate before reviewing your driving record