Get Back on the Road – We’re Here to Help

Need an SR-22? We know it’s not a fun situation, but you’re not alone. At Pay Low Insurance, we help hundreds of El Cajon drivers get SR-22 insurance every year. No judgment, no hassle – just straightforward help to get you legal and back on the road.

We work with multiple insurance carriers who specialize in SR-22 filings, so we can find you affordable coverage even if you’ve had some bumps in the road.

What is an SR-22 Anyway?

An SR-22 isn’t actually insurance – it’s a certificate that proves to the DMV you have car insurance. The DMV requires it if you’ve had certain violations like DUI, driving without insurance, too many tickets, or your license got suspended.

Your insurance company files the SR-22 form directly with the California DMV for you. That’s it. It just shows them you’re insured and staying insured.

Why Do People Need SR-22?

Common reasons:

DUI or DWI – Most common reason by far

Driving Without Insurance – Got caught driving with no coverage

Multiple Traffic Violations – Too many tickets in a short time

At-Fault Accident Without Insurance – Caused a crash while uninsured

Suspended or Revoked License – Need it to get your license back

Reckless Driving – Serious moving violations

Whatever the reason, we’re not here to judge. We’re here to help you get what you need.

How Does It Work?

1. Get Insurance

You need car insurance that meets California’s minimum requirements (15/30/5). We’ll set that up for you.

2. We File the SR-22

Once you have insurance, we electronically file the SR-22 certificate with the DMV. Usually takes 1-3 business days for the DMV to process it.

3. Keep Your Insurance Active

You need to keep your insurance active for the entire time the DMV requires (usually 3 years). If your insurance lapses or gets cancelled, the insurance company has to notify the DMV and your license gets suspended again.

4. Stay Current

Keep making your payments on time. Miss a payment and the SR-22 gets cancelled, which means more problems with the DMV.

How Much Does SR-22 Insurance Cost?

The SR-22 Filing Fee: Usually $15-50 to file the form. One-time fee.

The Insurance: This is what costs money. Because you’re high-risk, insurance costs more than regular auto insurance. Most people pay anywhere from $100-300/month depending on:

Your violation type (DUI costs more than tickets)
Your driving record
Your age
What kind of car you drive
Your coverage limits
Your location

We shop multiple carriers to find you the best rate possible.

How Long Do You Need It?

Usually 3 Years – Most common in California

Sometimes the court or DMV requires it for longer or shorter. Check your paperwork or we can help you figure it out.

The clock starts when the DMV processes your SR-22, not when you get insurance. So don’t wait – the sooner you file, the sooner that 3 years starts counting down.

Common Questions

Can I get SR-22 insurance same day?

We can get you insured same day. The SR-22 filing is electronic and goes to the DMV right away, but they take 1-3 business days to process it on their end.

What happens if I let my insurance lapse?

Bad news. Your insurance company has to notify the DMV within 15 days. The DMV suspends your license again and you have to start the whole SR-22 period over from the beginning. Don’t let this happen.

Do I need a car to get SR-22?

Nope. If you don’t own a car but need SR-22, we can get you a non-owner SR-22 policy. It covers you when you drive someone else’s car.

What if I move to another state?

You still need to maintain California SR-22 until your 3 years is up, even if you move. Let us know if you’re moving and we’ll help sort it out.

Can I switch insurance companies?

Yes, but you need to make sure there’s no gap in coverage. Get the new insurance started, make sure the new company files an SR-22, then cancel the old one. We can help coordinate this.

Will my rate go down over time?

Maybe. As you stay claim-free and violation-free, some companies will lower your rate. After your SR-22 requirement ends, your rates should drop back closer to normal.

What’s the difference between SR-22 and FR-44?

California uses SR-22. FR-44 is for other states like Florida and Virginia. If you need SR-22 in California, that’s what we’ll file.

Types of SR-22 Coverage

Owner SR-22

For people who own a car. This is the most common type.

Non-Owner SR-22

For people who don’t own a car but still need to prove insurance (like if your license was suspended but you sold your car). Covers you when you drive someone else’s vehicle.

Operator SR-22

Less common. For specific situations where the state requires it but you’re not the vehicle owner.

We’ll figure out which one you need.

What You Need to Get Started

To get you set up, we’ll need:

Your driver’s license number
Vehicle info (year, make, model, VIN) if you own a car
Your violation or court paperwork if you have it
When you need coverage to start

That’s pretty much it. We’ll take care of the rest.

Tips to Keep Your SR-22 Valid

Pay Your Premiums on Time – Set up autopay if you can. Missing a payment causes big problems.

Don’t Let Coverage Lapse – Even one day without insurance restarts your whole SR-22 period.

Drive Carefully – More violations mean higher rates and more problems.

Keep Proof of Insurance – Always have your insurance card with you.

Update Your Address – If you move, tell us and tell the DMV.

Mark Your Calendar – Know when your 3 years is up so you can celebrate when you’re done.

We Make It Easy

No Judgment – We’ve helped thousands of people in your situation. It happens. We’re here to help, not lecture.

Fast Filing – We handle everything electronically. No waiting around.

Affordable Options – We shop multiple carriers to find you the best rate.

Bilingual Service – English or Spanish, whatever you’re comfortable with.

Reminders – We’ll remind you when payments are due and when your SR-22 period is ending.

Local Office – Stop by anytime during business hours if you have questions.

After Your SR-22 Period Ends

Once you’ve completed your required time with SR-22:

The DMV will notify you (or you can check with them)
You don’t need SR-22 insurance anymore
Your rates should go down
Call us and we’ll shop for better rates without the SR-22

Don’t cancel your SR-22 early. Wait until the DMV says you’re done.

Get Your SR-22 Insurance Today

Need SR-22? Let’s get you taken care of. We make the process as painless as possible.

Call: 619-736-1313
Email: info@paylowinsurance.com
Visit: 415 Fletcher Pkwy, El Cajon, CA 92020

Hours:
Monday – Friday: 9AM – 6PM
Saturday: 10AM – 2PM
Sunday: Closed

Helping El Cajon Drivers Get Back on Track

We’ve been helping drivers in El Cajon, La Mesa, Santee, Spring Valley, and all over San Diego County with SR-22 insurance for over 15 years. We know the process inside and out, and we’ll make it as easy as possible for you.

Stop by our office on Fletcher Parkway or give us a call. The sooner you get started, the sooner you’re back on the road legally.

We’re here to help – no judgment, just solutions.