If you’ve been convicted of an OVI or other driving offense, the state may require you to get SR-22 insurance before reinstating your license. These certificates, which verify that you have a valid insurance policy, have to be submitted to the state every month. Fortunately, specialized insurers make it easy to get the coverage you need.

How to Get SR-22 Insurance

1. Fulfill Your Legal Requirements

Along with the SR-22 insurance requirements, the court may have ordered you to pay a fine, attend substance abuse counseling, or complete a safe driving course. Fulfilling the judges' mandates clears the way for restoring your driving privileges. 

Leaving any of these steps unfinished could result in a longer license suspension and even more penalties. 

2. Contact an Insurer

Courts will usually require you to fulfill the SR-22 insurance requirement within a few days. If your current insurer doesn't offer this, you may need to find another carrier before the deadline in the court order passes. 

After a driving-related conviction, insurers will typically consider you a high-risk driver, so your premiums will likely go up. Even if your current insurer does offer SR-22 bonds, compare options with other carriers that may have lower rates. An insurance agent who specializes in helping high-risk drivers get the coverage they need can sort through the options and find a policy that’s best for you. They will typically be responsible for submitting the certificate to the state. 

3. Keep It Up

Because of the circumstances that require you to get SR-22 insurance, additional driving offenses will be treated more harshly. Therefore, always obey the speed limit and traffic laws and practice defensive driving on the road. You also need to keep your bond active. Should you lapse in payments or suspend this coverage, the provider will be legally responsible for informing the state.

If you’ve been accused of a driving offense, the experienced agents at Bob Shropshire Bail Bonds in Cincinnati, OH, will help protect you from whatever the future might bring. They specialize in SR-22 insurance policies and offer options from several carriers, ensuring you get the best rates possible. Visit their website for more on their car insurance services, or call (513) 721-3915 to request a free quote.