High Risk Auto Insurance in Middleton and Madison, WI
Are you required to carry high risk auto insurance or are you looking for information about options and policy pricing for SR-22 insurance? Action Insurance Agency is focused on providing insurance for high risk drivers and understands the process, so you don’t have to. When you are required to have an SR-22 insurance policy you don’t have a choice but to get set up for this type of insurance if you want to continue to drive. We specialize in helping high risk drivers get insured and we make the process simple and easy. Simply give us a call and we can provide you with an instant quote for SR-22 insurance and answer any questions you may have.
At Action Insurance Agency, we represent several insurance companies to ensure you are in the right policy at the most competitive price. Progressive, Dairyland Auto, Founders, Integrity, Bristol West, and Kemper Specialty are the companies we work with. We can make one or more recommendations for insurance policies to meet your needs, based on getting you to answer a few questions. Call us today or hit our email contact form to get an instant, no-obligation insurance quote.
Can I just use any insurance company for SR-22 insurance?
The short answer is no. Most traditional insurance agencies do not offer this type of insurance. Some of them are not in a position to cover high risk drivers, or simply do not want to provide coverage for a higher risk customer. Fact is, everyone who is driving needs insurance. We are all human and make mistakes. We chose to offer this type of coverage for our clients because there are people that need it.
How much will my insurance rates increase?
Although this is a very common question, the reality is that you must pay an increase in your premiums when you are considered high risk. At Action Insurance Agency we work to minimize this increase as much as possible any way we can. However, until you are able to keep your driving record clean for a period of time, your rates will rise, and your driving record is the key factor that will determine how much you pay.
How long will my insurance rates be higher?
You play a role in the amount of time that your insurance rates will be higher. If you are convicted of a DWI or DUI or have other significant factors on your driving record that make you high risk, it can take from three to five years for your status to improve. The best way to remove your high risk insurance status is to keep a clean driving record. If you do not receive any new driving violations time is on your side.
Can I reduce my increase in rates for high risk insurance?
One of the easiest ways to reduce your costs when you are required to have high risk insurance is to increase your deductible amounts. Although this will lower your premiums, if you have an accident your cost to make a claim will be higher. In addition to increasing your deductibles, the other way to ensure your insurance rates are as low as possible is to keep your driving record clean. More time as a safe driver and you will be considered one again.
Is SR-22 a type of insurance?
SR-22 is actually the name of the form that is required to be filed with the state by the insurance company when you enroll in a high risk auto policy. You are not able to obtain this form or file it on your own. When you have high risk driver insurance the state must be certain that you are covered and that an insurance company has taken you on as a high risk customer. Making the process simple, Action Insurance agency takes care of this for you.
What is an SR-22?
Again, an SR-22 is a form that provides proof of insurance to the state when you are a high risk driver. When you enroll in high risk driver insurance, we file this form with the state on your behalf. If you let your coverage lapse during the time your SR-22 is required, we are obligated to report this to the state. It is important if you have this type of insurance to continue your payments and keep your account current.
Do I have to file the SR-22 with the state?
Although an SR-22 is a requirement when you have a high risk insurance policy, it does not fall on you to take care of this. You do not need to get the form from the state. When you choose Action Insurance, we complete the SR-22 form and send it to the state via computer transfer to the state the same night that you sign up for your policy. We know that this is not a fun time, so we make the process as painless as possible for you.
Why this insurance agency instead of a big name?
First of all, we are a local company that provides a personalized level of service for all of our customers. When you work with us it has a direct positive effect on the local economy. With a big-name insurance company you may not get the same level of service and feel like a number. We take pride in getting to know our customers and their needs. This ensures the best policy and pricing for your situation.
Can I save money on high risk insurance?
One of the advantages to working with Action Insurance Agency is that we don’t just look into one option for your situation. We act as a broker for our clients and do the policy shopping for you by bidding it with fifteen different companies. This ensures that you get the best policy and pricing without having to spend your time looking for it and possibly missing some options that are available to you.
How much experience do we have with SR-22 insurance?
Experience is a factor that we score very high on, especially in Middleton, Madison, WI and surrounding areas. Our agency has been helping high risk drivers for more than 50 years and we have written polices for thousands. High risk insurance is our specialty and expertise. We plan to help drivers in this area for many years to come and are committed to be the best solution in Wisconsin.
How do I get started?
Although some of the answers in this high risk insurance Q&A are a lot longer, we will keep this one short. This is because getting started is as simple as a phone call. When you call us, we will get some background info on your specific situation and turn around an instant quote for you. Just give us a call! It’s that simple.
What will be required of me to get it set up?
As mentioned, you are one phone call away from getting set up with a competitively prices SR-22 policy. The phone call will typically take a total of ten minutes of your time and the only other requirement to get set up will be a single email exchange. A phone call, ten minutes of your time, and an email: this is all you need to do and we do the rest! Our agents are standing by to get you set up!
Carry more than an insurance card when I’m a high risk driver?
High risk drivers are required to have a different level of coverage when the state considers them to be high risk due to marks on their driving record. The good news is that although a different level of coverage is required, there are no additional documents you are required to carry with you to provide proof. Your SR-22 is filed with the state and your insurance card is all that is required for you to drive with high risk insurance.
Why is Action Insurance Agency different?
The reason to work with us is because we work closely with high risk drivers every day. We have set up thousands of customers, allowing us to streamline the process and make it quick and easy for you to enroll. Obviously, SR-22 insurance is the business we are in, but we know that our customers’ goal is to get standard insurance back. We work with you to do anything we can to ensure that happens as soon as possible for you.
Even if you are considered a high-risk driver, you still have options and you deserve the best insurance money can buy. We have been in business since 1967, serving Middleton and Madison, WI as well as surrounding cities. Our personable, experienced insurance team is here to help you get insured with the insurance plan you need. Our team has an excellent reputation for solid customer service as well as providing some of the most affordable insurance rates for high-risk drivers around.
How can we help you?
We handle high risk auto insurance, home insurance, high risk motorcycle insurance, and we can even insure your RV. If you have an insurance need, please feel free to call us! Our experts are standing by.