If you are considered a high-risk driver, it can be difficult finding insurance coverage. When you are required to provide evidence of insurance coverage due to an event such as an uninsured accident or a DUI conviction, you need to find an insurance company that will accept this level of risk. Allstate offers insurance for drivers even if you are required to carry an SR-22 form. The company offers non-preferred policies to high-risk customers. Although these policies have higher premiums than preferred policies, Allstate is a leading auto insurer with a long history of handling claims. High-risk customers will benefit from their nationwide network of agents and 24-hour customer support.
If the state has notified you, or if you have been ordered by the court to obtain an SR-22 form, Allstate can file the necessary forms with your state’s Department of Motor Vehicles. The company requires you to pay a one-time filing fee to file the papers for you. If you receive multiple tickets or traffic convictions, the insurer will not cancel your policy as long as you are still able to drive and can meet a few simple requirements.
To make your policy as affordable as possible, Allstate offers several discounts to drivers. You can bundle your car and home insurance to save up to 25 percent on your auto insurance and up to 35 percent on your home insurance. If you have certain safety equipment features on your automobile, the company offers discounts on policy premiums. You may also qualify for discounts when you sign up for automatic recurring premium payments from your bank account. If you have life insurance with Allstate as well, the company offers additional discounts.
With Allstate, you will have a dedicated local agent that is accessible and understands the needs in your particular area. Having a local contact is helpful since many insurers today only have customer service available online and by phone. It can be frustrating when you need information, or you have to make a claim, and you can't talk to someone who knows you and your locality. You also have access to a customer service representative either online or over the phone 24 hours a day. As long as you pay your premiums on time and keep your policy active, your SR-22 insurance will remain in effect. Should your coverage lapse, the company must notify the DMV and your state office that you no longer have insurance. You may also lose your car registration and be forced to pay penalties.
Many companies offer SR-22 policies for less money. These companies don’t typically have the reputation and the tools that Allstate does. Allstate offers support for policyholders in person, online, over the phone and through its mobile apps. It provides a wealth of information, tools and resources online. It uses the latest technology to service its customers. Accidents can happen anywhere, but you can easily file a claim using your smartphone or tablet.
Allstate can help you obtain the necessary documentation to keep you driving legally. It has been providing insurance for the past 84 years. Even if you have a non-preferred policy with the company, you will have access to the same level of service as preferred policyholders, as well as access to all of its customer tools and resources. Allstate is a company you should consider when you are required to provide an SR-22 form.