Do You Have To File a Georgia SR22 Certificate or Bond?

Q: I had to file a Georgia SR2 before, but as of this week I no longer will need to. If I change companies, do I have to tell my new company?

A: Getting out from under a Georgia SR22 filing requirement finally can be a breath of fresh air. Many drivers celebrates this by looking for low rates with another company. You should make sure to exhaust all of your options when searching for a new car insurance company, because if you don’t shop around then you’ll probably end up paying more than is really necessary.

One thing that former Georgia SR22 filers need to watch for when it comes to getting new insurance is that temptation to hide their past. The fact is that, although three years may seem like a long time, your DUI will stay on your driving record for two more after your SR22 filing period is over. This is for how long it will affect your car insurance premium. Car insurance companies have 60 days to look up all of your information, and if during this period, they find out that you misrepresented yourself, you can be cancelled at any time, which will only make your future car insurance rates even higher.

Where Do You File an SR22 Insurance Form?

Q: Where do I go to get an SR22 insurance form filed?

A: You get your SR22 insurance form filed at a car insurance company, so your first step is to find the right car insurance company for you. Since not all companies insure SR22 drivers, this may take a little bit of time. Check among the companies that specialize in high risk drivers as well as with Georgia’s assigned risk auto insurance pool if you don’t hit gold.

Once you find a company, you set up your policy, and the car insurance company will send a request for your SR22 insurance form to your secretary of state.

How Does A Car Insurance Company Figure Out SR22 Costs?

Q: How do car insurance companies figure out how much they will charge me for my SR22 bond?

A: The rating system for an SR22 bond is complex. While once it only involved a few qualities which determined the final price, now there is a lot that goes into the SR22 bond quote mix. Some of them are things you can’t control, while others, if you play your cards right, could end you up with a dirt cheap car insurance premium.

The factors which go into the recipe which cooks up your SR22 bond quote are many and varied. Some uncontrollable factors include your age and your gender. Some based on more life changing events include your degree type and your marital status. Your car and your credit will also play a big part, as will your driving record and any previous claims you have filed.