SR-22 car insurance certificate

Q: How come a lot of companies won’t sell me an SR-22 car insurance certificate?

A: Well, companies insure people with different levels of risk. One company, for example, may only sell insurance policies to people who have perfect driving records. Obviously if you ave an SR-22 car insurance certificate you won’t fall into that category. Anoter company may insure anybody, no matter how bad their record or how many additions their car has. The second kind of company will bring you more luck, although it will unavoidably be more expensive than the first kind of company. You should try looking for car insurance quotes among those types, called high risk car insurance companies.

Even at high risk companies they have standards, though, and there may be something on your record which sets them off and causes them to refuse to sell you an SR-22 car insurance certificate policy. If this is the case, then you still have another option, which is to join Alabama’s state assigned car insurance risk pool. This is also called the residual insurance pool, and if you join it with the Alabama Department of Insurance, the DoI will assign you to a random company which will have to insure you.