If your driving record is riddled with citations or accidents or you have been caught driving without the minimum state-required auto insurance, you might be required to purchase SR22 insurance before you are allowed to drive. First Choice Insurance, one of the premier car insurance companies in Fairfield, OH, explains how to acquire SR22 insurance for the first time. They specialize in high-risk insurance for drivers with bad driving records and provide affordable car insurance quotes to get them back on the road as soon as possible.

What Is SR22 Insurance?

SR22 insurance—or an SR22 bond—is a document filed by your insurance company with the Ohio Bureau of Motor Vehicles (BMV) that certifies you have purchased the minimum amount of liability insurance required by the state. Ohio requires all drivers to maintain $12,500/$25,000/$7,500 coverage, which means $12,500 maximum personal injury liability coverage for each individual (up to a maximum of $25,000 per accident) and at least $7,500 worth of property damage liability coverage.

Why Do You Need SR22 Insurance?

If you have accumulated too many points on your license for minor infractions and at-fault accidents or have been found guilty of operating under the influence (OVI), reckless driving, or another serious infraction, you may have to submit an SR22 to regain driving privileges. The same is true if you are found driving without the state-mandated minimum insurance.

How Do You Acquire SR22 Insurance?

If you must file an SR22 with the Ohio BMV, a First Choice Insurance agent can help you choose the right insurance, complete the paperwork, and get back on the road. They specialize in high-risk insurance and can save you 38% on your SR22 bond. Most car insurance companies charge between $15 and $25 to file the document, while First Choice Insurance charges only $10. Once the minimum insurance is in place and the bond fee is paid, they do all the heavy lifting and file all the paperwork for you.

First Choice Insurance, one of the most trusted and experienced car insurance companies in Fairfield, OH, offers inexpensive SR22 insurance to complete your state required insurance minimums. Visit them online for contact information, or call (513) 860-0666 to discuss car insurance quotes with a friendly, knowledgeable professional.