Filing an SR22 can be done two ways - you can get an SR-22 from an insurance agent and hand deliver it to the DMV or you can have one sent by the insurance company. Either way you must have a minimum of state required insurance limits. SR22s are not stand alone, and you can't get one without insurance that is in force and current. That is precisely what an SR-22 is, proof that you have at least the basic insurance coverage from a company in the State of Oregon. SR22 is not a special type of auto insurance. You are buying the same car insurance coverage as everyone else. We even have a special auto insurance insurance policy called a non-owner policy especially designed for drivers who want to maintain their driving privileges but have no car.
Are you in a hurry to get an SR-22 certificate? Then it would be best to buy your policy from a local agent; one where you can go to his or her office, buy the car insurance and walk out with a the SR22 certificate in hand or have one delivered to your email box to print yourself.
If you are not in a hurry, then you have more options. You can select a car insurance policy from any company, independent, exclusive or direct, that is willing to print and send the certificate electronically or through the mail to the Oregon DMV. The important factor to consider here is how long it takes for the insurance company to file your SR22 certificate to the State of Oregon DMV. The process may take as long as 10 days. If you need or want one sooner just call us. We can sell you the policy over the phone and email you the SR22 within minutes. Just be sure you don't have any outstanding fees or fines at the DMV or a court. If you do owe money to the State of Oregon, you may still need to come in to get the SR22 and take it with you. You can clear up your fines and turn in your SR22 certificate all at the same time.
So now what? You have options for getting an SR22 in Oregon. Will you choose an independent agent who represents several companies, an agent who represents only one company (exclusive), or a direct writing insurance company (one company you contact directly either by phone or online)? Independent and exclusive agents usually have an office where you can stop by, purchase the auto insurance and leave with the certificate. Direct companies, like Esurance ®, Progressive Direct ® and Geico ®, usually do not.
If you choose to buy from an independent agent, you have options:
Call the agent and ask for an SR22 to be filed if you already have insurance through his or her office.
If you don't have insurance, get a quote and make a decision to purchase. You will have two options here too with an independent agent -
1. Purchase a policy through your agent via the web/email. You must have a valid email account to use this option. This also requires you to wait for the SR22 to be filed with the DMV by the insurance company. The agent can help expedite the process by giving the insurance instructions to file the certificate as soon as possible.
2. Go into your agent's office to purchase the insurance. This option allows the agent to print and provide you with an SR22 instantly. We can do this in our office; you will walk out with an SR-22 in your hand. Make sure you ask your agent, before you buy, if he can provide you with this service.
If you choose/have a captive agent:
Call the agent and ask for an SR22 to be filed if you already have insurance through his office. Some captive agents will not file SR22s or can only provide them under limited circumstances or for a short period of time. Many will require the SR22 to be filed by the insurance company and will not be able to give you one to take to the DMV. Make sure you ask questions.
If you don't have insurance, get a quote. Go into your agent's office to purchase the insurance. Ask if your agent can print and provide you with an SR22 instantly. If not, you will have to wait for it to be filed by the insurance company.
If you choose a direct policy (no agent):
Call the insurance company and ask for an SR22 to be filed if you already have insurance.
If you don't have insurance, get a quote and make a decision to purchase. You generally only have one option here too. Purchase a policy via the web. This also requires you to wait for the SR22 to be filed with the DMV by the insurance company.
Either way, you will find that the direct insurance company doesn't have a local office where you can go and pick up the certificate. Don't be fooled by thinking a faxed certificate will be valid. Most DMV personnel will not accept a faxed copy. They look for the SR22 certificate to say "original".