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The SR-22 is a certificate of insurance that your auto insurance company files with the DMV to assure that you are covered under an auto insurance policy which fits the requirements of your state. Typically, an SR-22 is required if your driving privileges were suspended for a brief period of time. This could happen in a number of situations - for instance, if you were caught driving without insurance or if you were involved in a DUI or DWI incident, your license might be revoked or cancelled temporarily. In order to be eligible for driving, you will need to file for an SR-22 form. Once you do so, your suspension will be lifted and you can drive again. Having said that, you will be under probation for a fixed duration of time. 

Here are the top 3 myths regarding SR-22 insurance.

  1. You Don’t Really Need SR-22 Coverage Unless You Want to Get It If you are ordered to get SR-22 coverage, it is not optional. You must get the coverage and you must get it within a certain period of time. If you choose not to abide by the order, you could end up losing your license permanently.
  2. You Do Not Need Insurance to Get SR-22 Coverage Many people assume that if they do not have a car to drive, that they do not need to worry about getting an insurance policy.  In order to be able to get SR-22 coverage, you must obtain an insurance policy. 
  3. SR-22 Insurance Is Significantly More Expensive Than a Traditional Policy In order to get an SR-22 endorsement on your policy, you simply need to pay a small fee that is typically less than you would pay for a tank of gas. This is a one-time fee that ensures that you get the required coverage added to your policy, until it is time to renew your policy.

Illinois Car Insurance

In the state of Illinois, the insurance company is allowed to check out your personal credit history when offering you insurance and setting your premium rates although many insurance companies do not use your credit history when offering you insurance, a pretty substantial factor in determining cheap Illinois auto insurance. Insurance companies place more importance on your driving record, vehicle you drive, sex and age as well as the number of the drivers to be included on the policy, and where you live.

Illinois minimum requirements

Bodily Injury Liability Per Person: $20,000.00 Limit
Bodily Injury Liability Total: $40,000.00 Limit
Property Damage Liability: $15,000.00 Limit

If you are unsure about the Illinois SR-22 coverage you may need, call Cloverleaf Insurance at 800-530-5822 to talk to a knowledgeable representative about all of the options available to you.
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