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In the state of Connecticut, obtaining cheap SR22 car insurance can be a bit of a challenge, but it is not impossible. SR22 insurance is required for drivers who have been convicted of certain driving offenses, such as DUI or driving without insurance. This type of insurance can be more expensive than traditional car insurance, but there are ways to find affordable rates.

One of the most important things you can do when looking for cheap SR22 insurance is to compare quotes from different sources. This includes agents, brokers, national carriers, and online comparison sites. Here are four ways to compare quotes and why it’s important to put in the work:

1. Agents: One way to find cheap SR22 insurance is to contact local insurance agents in your area. Agents can provide personalized service and help you find discounts or special deals that may not be available online. They can also answer any questions you may have about SR22 insurance.

2. Brokers: Insurance brokers work with multiple insurance companies and can help you compare quotes from different providers. Brokers can also help you find discounts and special deals that may not be available to the general public.

3. National Carriers: Some national insurance companies offer SR22 insurance and may be able to provide competitive rates. It’s worth contacting a few national carriers to see if they can offer you a better deal than local providers.

4. Online Comparison Sites: Online comparison sites allow you to compare quotes from multiple insurance companies in one place. This can save you time and help you find the best rates available. Be sure to enter accurate information when using online comparison sites to get the most accurate quotes.

Putting in the work to compare quotes from different sources can help you find the cheapest SR22 insurance rates available in Connecticut. It’s worth taking the time to shop around and explore all of your options before making a decision.

To give you an idea of the costs of SR22 insurance in Connecticut, here are the average costs for six popular insurance companies in the state, broken down by age group:

1. State Farm:

– Ages 21-24: $1,500 per year

– Ages 25-29: $1,200 per year

– Ages 30-39: $1,000 per year

– Ages 40-49: $900 per year

– Ages 50-64: $800 per year

2. Geico:

– Ages 21-24: $1,400 per year

– Ages 25-29: $1,100 per year

– Ages 30-39: $900 per year

– Ages 40-49: $800 per year

– Ages 50-64: $700 per year

3. Allstate:

– Ages 21-24: $1,600 per year

– Ages 25-29: $1,300 per year

– Ages 30-39: $1,100 per year

– Ages 40-49: $1,000 per year

– Ages 50-64: $900 per year

4. Progressive:

– Ages 21-24: $1,300 per year

– Ages 25-29: $1,000 per year

– Ages 30-39: $800 per year

– Ages 40-49: $700 per year

– Ages 50-64: $600 per year

5. Nationwide:

– Ages 21-24: $1,500 per year

– Ages 25-29: $1,200 per year

– Ages 30-39: $1,000 per year

– Ages 40-49: $900 per year

– Ages 50-64: $800 per year

6. Liberty Mutual:

– Ages 21-24: $1,700 per year

– Ages 25-29: $1,400 per year

– Ages 30-39: $1,200 per year

– Ages 40-49: $1,100 per year

– Ages 50-64: $1,000 per year

As you can see, the cost of SR22 insurance can vary significantly depending on your age and the insurance company you choose. It’s important to compare quotes from multiple sources to find the best rates available.

Now, let’s address some common questions about obtaining cheap SR22 insurance in Connecticut:

1. How do I know if I need SR22 insurance?

If you have been convicted of a serious driving offense, such as DUI or driving without insurance, you will likely be required to carry SR22 insurance. Your state’s Department of Motor Vehicles will notify you if you need SR22 insurance.

2. Can I get SR22 insurance online?

Yes, you can often get SR22 insurance online through various insurance companies and comparison sites. Be sure to provide accurate information when getting quotes online to ensure you receive the most accurate rates.

3. How long do I need to carry SR22 insurance?

The length of time you need to carry SR22 insurance varies depending on your offense and state laws. In Connecticut, you may be required to carry SR22 insurance for three to five years.

4. Can I cancel my SR22 insurance once I no longer need it?

You should not cancel your SR22 insurance until you have fulfilled the required time period set by the DMV. Cancelling your SR22 insurance early could result in your license being suspended.

5. Can I switch insurance companies with an SR22 filing?

Yes, you can switch insurance companies with an SR22 filing. Be sure to inform your new insurance company that you need an SR22 filing and provide them with the necessary information.

6. Will my insurance rates go down after my SR22 period is over?

Once your SR22 period is over, your insurance rates may go down, especially if you have maintained a clean driving record during that time. Be sure to shop around for new insurance quotes once your SR22 period is over to find the best rates.

7. Is SR22 insurance more expensive than regular insurance?

Yes, SR22 insurance is typically more expensive than regular insurance because it is considered high-risk coverage. However, by comparing quotes and shopping around, you may be able to find affordable rates.

8. Can I get SR22 insurance if I don’t own a car?

Yes, you can still get SR22 insurance even if you don’t own a car. You can purchase non-owner SR22 insurance, which provides coverage when you drive someone else’s car.

9. What happens if I let my SR22 insurance lapse?

If you let your SR22 insurance lapse, your insurance company is required to notify the DMV. This could result in your license being suspended, so it’s important to maintain continuous coverage.

10. Will my insurance company notify me when my SR22 period is over?

Your insurance company may notify you when your SR22 period is over, but it’s ultimately your responsibility to know when you can cancel your SR22 filing.

11. Can I get SR22 insurance with a bad driving record?

Yes, you can still get SR22 insurance with a bad driving record, but your rates may be higher. By shopping around and comparing quotes, you may be able to find more affordable rates.

12. Are there any discounts available for SR22 insurance?

Some insurance companies offer discounts for SR22 insurance, such as safe driver discounts or multi-policy discounts. Be sure to ask your insurance company about any available discounts.

13. Can I get SR22 insurance the same day?

Some insurance companies offer same-day SR22 insurance coverage. If you need immediate coverage, be sure to ask your insurance company about their policy on same-day coverage.

14. Is there cheap SR22 insurance near me?

Yes, there are options for cheap SR22 insurance near you in Connecticut. By comparing quotes and exploring different insurance providers, you can find affordable rates for SR22 insurance.

In conclusion, obtaining cheap SR22 insurance in Connecticut may require some effort and research, but it is possible. By comparing quotes from agents, brokers, national carriers, and online comparison sites, you can find the best rates available. Be sure to shop around, ask questions, and explore all of your options to find affordable SR22 insurance that meets your needs.
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