If you are required to carry SR22 auto insurance because you were pulled over or were in an accident without car insurance, you need to get the lowest rate possible. To get the best rate, you have a couple of options. You can call every car insurance company in the St. Louis area or you can work with a licensed insurance broker.
Searching for a policy on your own is time consuming. You will have to get in touch with a representative from each company and then give them your personal information. You will also need to provide details about your vehicle and the type of coverage you want for your car. Auto insurance rates vary a lot by company, so you may need to get 10 or more quotes before you find the best deal for your personal situation. Expect to spend an entire day just talking to insurance company agents.
After you collect a number of quotes, you will need to compare them. Comparing quotes for SR22 insurance in St. Louis, MO is often complicated. Every insurance company has their own policies and procedures. Some companies offer lots of discounts while others don’t give any discounts on SR22 policies.
A better option is to use a broker. An insurance broker sells policies for many insurance companies. They have all of the guidelines for local insurance companies at their fingertips and can quickly tell you which company will offer you the lowest rate for the coverage you need. Your broker will take the time to evaluate your personal situation and compare your needs with the products offered by insurance companies in your area. You can save a lot of time and energy by letting a broker do the legwork for you. After they have found a few policies that meet your needs, your broker will present you with your options. Simply select the SR22 policy that fits into your budget and let your broker handle the financial aspects of purchasing the coverage.
When you are ready to move from SR22 insurance in St. Louis, MO to a regular auto insurance policy, your broker can help you with the transition and ensure you get the best available rate for your car insurance.
