How much does Allstate charge for an SR-22?

Yes, Allstate Motor Club is worth it if you want 24/7 roadside assistance anywhere in the U.S., and you anticipate using at least $89 in roadside assistance services in a year. Allstate Motor Club has two plans: Roadside Advantage, which costs $89 for the first year, and Roadside Elite, which costs $164 for the first year.… read full answer

The cost to renew your membership is $105 per year for the Roadside Advantage plan and $179 per year for the Roadside Elite plan. Allstate Motor Club memberships can be purchased even if you don’t have an active insurance policy with Allstate.

Why Allstate Motor Club Is Worth It

• 24/7 roadside assistance services, including towing, jump starts, lockouts, tire changes, reimbursement for repairs to tires and wheels, and fuel delivery. Keep in mind that neither membership covers the cost of fuel or any parts.
• Members can add a second household member for free, though any additional members will add $24 to your yearly membership fee.
• Up to seven service calls per year for families with the Roadside Elite plan. With the Roadside Advantage plan, you get up to five calls per year depending on how many people you add to your plan.
• Covers any car a member drives, including cars they borrow or rent.
• Access to trip planning tools and services, plus savings on travel, health and beauty supplies, entertainment, and more.
• Members still have access to Allstate roadside assistance on a pay-per-use basis after exhausting their free service calls for a year.

Allstate’s Motor Club memberships also provide discounts on oil changes, auto parts, flights, and more. The Roadside Elite plan even includes motorcycle and RV coverage.

Bottom Line

The bottom line is that if you break down on the side of the road or wake up to a flat tire at home, you’ll find that an Allstate Motor Club membership is worth having.

Some notable competitors to Allstate Motor Club are AAA, National Motor Club, and Good Sam Roadside Assistance, but Allstate Motor Club stands out because of its multiple coverage options and its availability to customers on a pay-per-use basis.

To learn more about your Allstate Motor Club options, call 1-800-998-8697.

SR-22 insurance covers the cost of other people’s injuries and property damage after accidents that you cause, and it does not cover damage to your own vehicle. If the court or state tells you that you need SR-22 insurance certification, your minimum coverage requirements are still the same as for any other resident.… read full answer

SR-22 is actually the name of the form the court or state requires from drivers convicted of certain violations, such as DUI/DWIs, reckless driving, and driving without a license or insurance. The SR-22 must be filled in by your insurance company and certifies that you have the legally required coverage.

What SR-22 Insurance Covers Depending on State

Many states only require liability insurance. In these states, SR-22 insurance covers the costs of the other driver’s injuries or property damage if you’re at fault in an accident. Some states, like Florida and Michigan, also require Personal Injury Protection, which pays medical expenses for you and your passengers. States such as New Jersey and New York mandate uninsured or underinsured motorist protection, as well. This kind of insurance pays for your losses if another driver is at fault and either has no/low liability insurance or is a hit-and-run driver.

SR-22 Insurance Limits

Like all insurance, SR-22 insurance policies are written with limits. These limits are the maximum amounts the insurance company will pay out for losses. The coverage limits for your SR-22 insurance policy will follow the requirements of the state in which you were convicted or now live, whichever are higher.

Even though it’s minimal, SR-22 coverage can be expensive. The violation you committed will put you into the insurance company’s high-risk pool of drivers. This can raise your insurance costs 25% or more.

To get an SR-22 removed, a driver needs to contact their insurance company once they are no longer required to have the SR-22 on file with their state DMV. While each state has its own rules for how long drivers must maintain an SR-22, it can usually be removed after 3-5 years. Since individual drivers do not handle SR-22 forms themselves, the insurance company will take care of the cancellation.… read full answer

You can contact your state’s DMV to find out exactly when your SR-22 filing period ends. Once you confirm that you no longer need an SR-22, you can call your insurance company and let them know. Your insurer will then notify the DMV that they have cancelled the SR-22 filing.

You should never try to remove your SR-22 before the state-mandated period ends. If the DMV finds out that you cancelled your SR-22 insurance early, you could face serious consequences that include a driver’s license suspension, vehicle registration suspension, and hefty fees. In addition, you will likely have to start the SR-22 filing period all over again.

Finally, if you cancel your SR-22 insurance because you are switching insurance companies, you should cancel the old policy a few days after the new one begins. It can take some time for your state DMV to receive the new filing, and having the policies overlap by a few days helps you avoid a lapse in SR-22 coverage.