Insurance Quotes
Insurance Category
What is Non-Owner SR22?
If you were convicted of a serious moving violation or reckless driving offense (such as a DUI or DWI) in a car, truck, motorcycle, boat, or even an ATV, most states will require you to obtain an SR-22 insurance bond. The same is true even if you don't own a vehicle. In this case, you will be required to carry what is called a "non-owner" SR-22 certificate.
Understanding Risk and Auto Insurance Costs
You probably see multiple auto insurance ads on the TV every day. They have advertisements all over the internet, on roadside billboards, and even on the sides of buses. Let's face the facts - insurance companies are in the business of making money - plain and simple. They need to cover their overhead costs (including substantial advertising budgets!), cash reserves, and most importantly -- their risk exposure in all areas of their business.
Whether you drive a motorcycle, a muscle car, a family sedan, or a 4x4 truck, the car insurance companies will assign a certain risk factor to you as a potential customer. Besides the type and value of vehicle you drive, they also look at the following factors:
- Your age
- How many miles per year you drive
- Your accident history
- Your driving record
- Your credit rating
- The amount of coverage you are looking for
- Whether or not you have other insurance policies with the company
When researching the various insurance companies in the market, you may want to look at their customer service ratings, whether or not they have an office near you, and their history of timely pay-outs.
The internet is a great place to start your search for auto insurance plans. There are many online insurance calculators that will give you instant auto insurance quotes without any obligation. You can use these tools to compare insurance rates so that you can make an informed decision and get the policy you need within the confines of your budget.