SR-22 Auto Insurance Deals in DeKalb, Illinois

While driving safely will minimize your risks, there’s always a small chance that you’ll be involved in an unfortunate situation on the road. If this happens, having an insurance policy that covers your damage can make everything easier and spare you from the financial responsibility that comes with paying out of your own pocket. If you live in or near DeKalb and need to fill out an SR-22 auto insurance form, we can help you meet the minimum requirements.

Discovering DeKalb: A Community on the Move

DeKalb is a charming city that seamlessly blends classic historical architecture with modern facilities. Its exciting downtown area and Northern Illinois University are just a couple of the area’s main attractions, but you could wander down DeKalb’s streets for days and still find new and interesting things in every corner. It’s also well-connected to the rest of the state. Located about 60 miles west of Chicago, DeKalb is easy to get around thanks to its easy access to major highways such as Interstate 88 and I-39.

Understanding SR-22 Insurance: What It Means for DeKalb Drivers

An SR-22 isn’t a type of insurance but rather a form that some DeKalb drivers need to fill out with the state of Illinois to prove that they meet the minimum auto insurance coverages required by state law. It’s also called a Certificate of Financial Responsibility, and you can get it at the local Department of Motor Vehicles on 1360 Oakwood Avenue. 

Not everyone needs it, though. It’s ordered either by a court or by the state of Illinois, and those who need it typically receive a letter from the local DMV and have 90 days to file it. The most common reasons for someone needing to file an SR-22 insurance form are:

• Receiving a conviction for driving under the influence or driving while intoxicated
• Accumulating multiple traffic violations within a relatively short time period
• Not paying court-ordered child support
• Having a history of driving without the minimum required insurance

Types of SR-22 Auto Insurance Available in DeKalb

At American Auto Insurance, we firmly believe that anyone should have access to auto insurance at a decent cost, regardless of their driving history. Besides doing our best to lower the costs, we’ve also created an easy application process that doesn’t involve any credit checks. By simply completing an online form, you can get instant proof of SR-22 coverage within the same day, so you can get back on the road without risking any further fines or penalties.

Depending on your driving situation, there are multiple types of SR-22 auto insurance available to you. Common ones include:

• Owner SR-22 insurance: This covers drivers who own a vehicle and operate it regularly. It only includes one vehicle you own and demonstrates that you have the necessary liability coverage.
• Nonowner SR-22 insurance: This covers drivers who don’t own a car but still drive on a regular basis. It’s for drivers who drive borrowed or rented vehicles.
• Owner-operator SR-22 insurance: This offers broader protection, as it includes both owned and unowned vehicles. It makes sense for drivers who regularly drive their own cars but also drive rented or borrowed ones on occasion.

Finding the Best SR-22 Auto Insurance Deals in DeKalb

If you need an SR-22 auto insurance form, you may discover that most insurance companies will raise your premiums by as much as 80% compared to drivers with clean records. While the exact costs vary based on relevant factors, such as age, location, and driving history, at American Auto Insurance, we do our best to keep your premiums as low as possible, despite a not-so-great driving history. If you live in or near DeKalb, you can get a free, no-hassle quote on cheap SR22 auto insurance online or by calling our friendly team at 773-286-3500.

How To File for SR-22 Auto Insurance in DeKalb, Illinois

While the process of getting SR-22 insurance in Illinois may seem complicated, we’ll do our best to make it as easy and straightforward as possible. Here’s how you can obtain the SR-22 certificate:

1. Determine your eligibility: The first step is making sure you actually need an SR-22 certificate. If you do, the local Department of Motor Vehicles will notify you in the mail.
2. Contact American Auto Insurance: If you need an SR-22 certificate, make sure to contact us as soon as possible. We’ll update your insurance policy to mention the SR-22 filing and guide you through the rest of the process.
3. Ask us to submit it for you: We’ll also submit the SR-22 certificate to the Illinois Secretary of State on your behalf.
4. Submit the necessary info: We’ll need relevant information from you when processing the SR-22 certificate. This usually includes your driver’s license number, vehicle information, and the specific reason why you need an SR-22.
5. Await confirmation from the state of Illinois: After we file the SR-22 form for you, we’ll wait for confirmation from the Illinois Secretary of State. Once it arrives, it acts as proof that your SR-22 has been accepted, and you can get back on the road.
6. Maintain your coverage: You’ll need to avoid any lapses for your SR-22 coverage to remain active. If your coverage lapses, we’re legally obligated to notify the Secretary of State, which may result in your driver’s license being suspended.

Maintain Your SR-22 Compliance and Avoid Pitfalls in DeKalb With American Auto Insurance

If you’re in need of an SR-22 auto insurance form, American Auto Insurance can support you every step of the way. We understand that everyone makes mistakes and that you should have the opportunity to drive again and have a decently priced insurance policy. If you’d like more information on the SR-22 auto insurance form or about any other insurance policy or coverage, we’re here to answer your questions. Contact us by phone at 773-286-3500