An SR-22 insurance requirement can make it very difficult to get vehicle insurance at a reasonable price and can even make it difficult to get auto insurance coverage at all. An SR-22 requirement is a result of high-risk driving habits, such as driving under the influence, frequent speeding and other traffic violations, or driving without insurance.

If you require SR-22 insurance, the DMV will notify you, at which point you will have to contact your insurance provider and have them fill out the paperwork and submit it to the DMV for you in order to prove that you are insured. However, this will result in much higher insurance rates and the chance of you being dropped by your insurance provider due to the high-risk of covering you. Listed below are a few ways to save money on your vehicle insurance despite having an SR-22 requirement.

Take Defensive Driving Courses

One of the biggest reasons that an insurance company may deny you coverage or charge you a lot of money for auto insurance when you have an SR-22 requirement is that the insurance company sees you as a major risk. This means that they believe that the odds are higher than average that you will end up in an accident that will require them to make an expensive payout. One of the easiest ways to set your insurance provider's mind at ease about this risk is to take defensive driving courses that can teach you how to be a safer driver.

Consider A Less Risky Vehicle

A major component when it comes to determining your insurance costs is the vehicle that you are driving. In general, high-risk or expensive vehicles will require higher insurance rates due to the risk of getting into an accident as well as the amount of money that your insurance company would have to pay to fix a more expensive car. If you have an SR-22 requirement and need to cut down on your rates, consider trading in your sports car or expensive luxury car and downsize to an older and safer vehicle.

Cut Back On Your Driving

Finally, cutting down on the number of miles that you plan on driving throughout the year is a great way to get a discount on your insurance premiums. Typically, the insurance companies will base your insurance rates based on the number of miles that you expect to put on the vehicle, so driving less reduces those rates. In addition, if you are a high-risk driver with an SR-22 filing requirement, less time on the road means that you are less of an insurance risk, which can make it easier for you to get coverage or better rates.

Contact your insurance agent today in order to discuss how he or she may be able to help you save a bit of money on your coverage despite the SR-22 requirement. Taking defensive driving courses, driving a safer vehicle, and cutting back on your driving are all ways to reduce your insurance rates by making yourself less of a risk for the insurance company.