If you get a traffic violation, such as a DUI or ticket for reckless driving, then you may be required by law to carry SR22 car insurance. This is the basic insurance needed to remain compliant with your state's requirements. Just because you need to have it, doesn't mean you should spend a fortune. You won't, thanks to these tips.

Increase Deductible 

The deductible is the amount of money you pay out of pocket for damage that happens to your vehicle. By raising this figure, you can actually lower your monthly premiums on whatever SR22 policy you get.

You then won't have to stress each month when it comes time to pay your premiums. That being said, you don't want to raise this deductible by too much. If you did and severe damage occurs to your vehicle after an accident, you would be looking at expensive repairs that you might not be able to afford.

Compare Quotes

Not every provider of SR22 insurance will charge the same. Some will be more expensive to work with than others, and because of this, you need to compare quotes so that you can see what's best for your finances.

You should be able to gather these quotes strictly online. You'll just have to provide the type of SR22 policy you're looking to get. Every provider will give you quotes that you can then compare closely. After this careful analysis, go with the provider that you're most comfortable with in terms of rates.

Ask About Discounts

You would be surprised to find out how many people don't ask insurance providers about discounts. Then, they miss out on some really great deals. Don't let this happen to you. You should ask about these from the very start so that you save as much money as possible.

A lot of providers today will offer good driver discounts. So if you avoid getting tickets and accidents, the insurance provider will lower your premiums after a while. Even if a provider doesn't offer discounts, it doesn't hurt to ask. At least you'll know in the beginning.

There may be a time when you're required to have SR22 insurance, whether it's because you got a bunch of traffic tickets or were involved in an at-fault accident. If you're getting it for the vehicle you drive, there are plenty of ways to save money. You just need to know how to approach this search process.

for more information about SR22 insurance, contact a company like Illinois Insurance Center Inc.