From DUI offenses to excessive tickets, there are many reasons why you may be required to get SR-22 insurance in Tennessee. SR-22 refers to a specific form that your qualified insurance provider files with the state to prove that you’re maintaining the minimum auto coverage required by law. While this responsibility can add to your expenses, the requirement will be dropped after a specific period—usually about three to five years. To ensure you move through the process in a manner that’s as stress-free as possible, here are a few tips that can help you stay responsible with this coverage.  

5 Ways to Avoid Stress With SR-22 Insurance

1. Pay Insurance on Time

If you miss your auto insurance payments, your provider will notify Tennessee Driver Services of the lapse. This lapse could cause your license to be suspended or revoked and possibly require you to restart your SR-22 filing.

To avoid this pitfall, make sure all payments are made in time and in full. If you do lapse, contact your insurance company and work out a solution as soon as possible.

2. Practice Safe Driving

As a high-risk driver, being at-fault for a car accident could complicate your SR-22 status. For this reason, take steps to always stay safe behind the wheel.

Avoid smartphone distractions, follow posted speed limits, and practice defensive driving. Take a safe driving course to make sure you’re aware of all the best practices.

3. Don’t Drive Under the Influence

Driving under the influence with an SR-22 requirement could extend or restart your filing requirement period. In some cases, it may result in total license revocation—especially if you have a previous DUI. Never get behind the wheel if you’ve consumed alcohol or illicit substances.

4. Make Policy Updates Immediately

To stay compliant with SR-22 filing requirements, your auto insurance policy must be entirely accurate. As such, you should inform your provider immediately if you make changes that could impact your coverage—such as moving to a different address or purchasing a new vehicle.  

5. Maintain Your Vehicle

Even if you practice safe driving, your car may carry a higher risk of collision if it’s not kept in good shape. To make sure your vehicle is ready for the road, invest in routine maintenance, such as replacing worn tires, correcting alignment issues, and fixing brake problems.

While having to file SR-22 insurance can be a hassle for drivers, Lafever Insurance Agency offers comprehensive assistance to make the process as simple as possible. Serving motorists in Cookeville, TN, this agency is qualified to file SR-22 forms and provide reliable car insurance coverage at affordable rates. Understanding the importance of compliance, the team will work quickly and accurately to ensure your filing requirements are properly maintained. For a custom car insurance quote, call (931) 526-3377 today.