Why do I need to get an SR22 Non-owners insurance policy when I don’t even drive or own a personal vehicle here in California?

Mila

Costa Mesa, CA

Anyone who operates a car, regardless if they own the vehicle or borrows one from someone else. And exhibits a certain degree of risk while on the road can definitely be required to get an SR22 insurance coverage. Even if you don’t drive your own car, if you have gotten involved in the following scenarios, then you are most likely to get an SR22 form in order to get your driver’s license back:

1.Got arrested for DUI (Driving Under the Influence) a.k.a DWI (Driving While Intoxicated).
2.Accumulating three or more motoring/ moving violations within the year.
3.Involvement in a car accident without carrying adequate auto insurance.
4.Driving without a valid license or without carrying auto insurance coverage.
5.Leaving an infant unattended inside a running vehicle.
6.Improper use of seatbelts.

In your case, it would be necessary to get an SR22 Non-owners insurance coverage which is basically liability insurance coverage for those who don’t own or drive their own vehicles but has shown exhibited a high-degree of unsafe driving behaviors to be a significant threat against the welfare of other motorists and pedestrians.

California would want to make sure that these kinds of drivers are carrying adequate levels of liability auto insurance coverage in case they cause an auto accident and injures people,and damage properties as well. If you need a Non-owners SR22 coverage or would like to get a food idea of how much it costs, we highly recommend running a free insurance quote check on this website. You will get timely rates from many authorized SR22 insurance carriers in your area that you can use to compare for the best policy available.

Does your auto insurance rates go up once you reach the age of 65?

Rob

Chicago, IL

No, insurance rates do not necessarily increase once you reach age 65. It will depend upon insurance company guidelines and state laws if auto insurance rates will be raised after a motorist turns a certain age.

Some insurance carriers offer lower rates to those between 50 and 65 years of age,because this group has lower accident rates. After the age 65 rates do start to rise again though and those over age 70 may have difficulty looking for an insurance company to accept them as a new policyholder since accidents for this age group tend to go up.

There are car insurance companies though that give senior driver discounts for drivers of a certain age with clean history or discounts to seniors who attend an approved driving course.

One of the best ways to lower your annual premiums is to have a higher deductible amount.. Like a $1,000, is what I carry personally.

Now, if you are a claim free and safe driver like I am, you could be saving a ton of money each year on your premiums.  People fail to realize that the deductible amount is only paid when they file a claim and their insurance company pays that claim.