SR22 car insurance in Rockford allows drivers who have lost their driving privileges from DUIs, DWIs, driving uninsured, and other violations of legal coverage. This coverage commonly costs more than standard insurance rates. However, you usually can remove the SR22 policy once you no longer need it. Learn how to legally cancel an SR22 insurance policy.
Have a Good Reason to Cancel
While each state varies on time limits, most SR22 policies have a three to five-year limit. It is ideal to let this time pass before you cancel the policy. At a hearing, you should learn when it expires from the judge or from the Department of Motor Vehicles in your area.
If you find a cheaper car insurance policy in Rockford, you can change companies without penalty. Call your current provider to cancel, but make sure the new policy is in effect before you cancel.
Try Getting Time Reduced
In some cases, you may be able to get the time limit reduced. For each traffic infraction, you get points on your license. You have to file appeals with the DMV, which requires a hearing but practice good driving habits.
Always drive the speed limit and avoid drunk driving. Don’t text and drive or drive after taking certain medications. Take a defensive driving course to prove you care about road safety.
Don’t Let Policies Lapse
While you are in the process of canceling, don’t let policies lapse. If your policy lapses, you may have your license or vehicle registration suspended. You will also have to pay extra fines to reinstate everything causing you to be under high-risk longer.
Not having your SR22 car insurance in Rockford or canceling illegally can have serious consequences. If you need SR22, contact Insured ASAP Insurance Agency.
