The question is better stated "Is the reason I need an SR22 in Oregon going to cause my car insurance to be expensive".  Believe it or not, it normally isn't the SR22 that is expensive.  What raises your auto insurance when you need an SR22 is actually the ticket you got in Oregon that requires the SR22 filing.

There are many reasons a person needs to file an SR22, so for this example I will use the ticket of driving while suspended.  If you got a ticket for driving while suspended, it probably was a pretty expensive ticket, plus the impound fees to the police department, plus the tow fees, and if you didn't have insurance you will need to pay your down payment for auto insurance.  Pretty expensive, and all at one time.  Or, if you can't come up with the money for all of this you can forfeit your car and hope the tow company gets enough when they sell it to pay their fees.  You will still owe for the ticket and city impound fees.

Insurance companies rate every type of ticket with what is referred to as "points" and these add up.  For example a speeding ticket is 1 or 2 points, depending on the insurance company and the number of speeding tickets you have.  A driving while suspended ticket on the other hand is anywhere from 3 to 5 points.  What raises your insurance premium in this situation specifically is your tickets.

When the insurance company files an SR22 for you for most companies there is a one time charge that is between $10.00 and $20.00 depending on which insurance company you have.  Not really a big deal.  Only one company we represent raises your premium on a monthly basis for the SR22, and we don't really know why.

An SR22 doesn't significantly raise your insurance rates and does not necessarily mean your insurance will be expensive.  It's the ticket that causes you to have an SR22 that should worry you more.

Give us a call at Pulse Insurance - 503-489-3143 - or stop by the office in the Powell Vista Shopping Center - 4239 SE 182nd AVE and SE Powell - directly across from McMenamins Highland Pub.

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