How to Get Auto Insurance for a Suspended Drivers License?

If your driving license is suspended then you won’t be eligible to drive a car legally. Many insurance companies don’t offer insurance for a driver with a suspended license. If you drive your car illegally even when your license is suspended then they will not cover you.

If you break a traffic rule or get in an accident while your license is suspended, then you can be in big trouble and it will be hard to cover your costs without insurance and in many states, driving without insurance is an offense.

There are two ways you can get insurance for your car while your driving license is still suspended. The first option for you is to get a restricted license from your state’s DMV and the second option is to get SR-22 insurance.

How to get Auto Insurance for Suspended Drivers?

You can choose any one method to get insurance even if your driving license is suspended. The first method is to apply for SR-22 insurance.

What is SR-22?

When your license is suspended due to serious traffic violations like DUI OR DWI and driving without insurance, then your insurance company needs to apply for an SR-22 certificate to your state’s DMV and file a document stating that you have the insurance plan according to rules and regulation of your state.

This insurance is specially designed for high-risk drivers who are prone to breaking traffic violations and accidents. This is perfect car insurance for suspended drivers as it will cover you during your suspension. These car insurances are costly as insurance companies have to pay a high amount to cover your fines and damage costs.

It is recommended to get restricted insurance than getting SR-22 as it is more affordable and easy to get and can save you money.

What is a Restricted or Conditional Insurance and How to get it?

It is an insurance plan for a suspended license and it will allow you to drive your car for the conditional occasion only. With this insurance plan, you can drive your car to go to hospitals, schools, and offices. But you’ll be ineligible for this kind of insurance if your license is suspended for a traffic violation.

You will be likely to get Non-standard insurance, especially covering high-risk drivers. It will allow you to drive your vehicle during the day or earlier mentioned purposes. You can drive your car if you complete a DMV- sponsored driving program and qualify for auto insurance for suspended license.

Before getting any insurance for a suspended license, compare various rates from different companies as prices differ with every company and it will help you to get a cheaper insurance plan while your license is suspended. It may be tempting to stick with your current insurance company, but researching may help you to save money with better insurance plans.

Here at Alias Insurance, we fetch the best prices for you from all the reputed and best local insurance companies and help you to save your hard-earned money with various quotes for car insurance.