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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What is a non-owner policy?
  2. What is an SR22?
  3. Why do I need SR22?
  4. Will an SR22 affect my insurance premium?
  5. Why do I need to list all my household residents of driving age?
  6. Why did my rates go up?
What is a non-owner policy?

A non-owner policy is a liability policy on an individual. There is no vehicle listed on the policy. This type of policy is mostly associated with and SR22 filing for people who don't own any vehicles, but must carry insurance. 

A non-owner policy comes with certain restrictions typically not part of an owners policy. Call us for more details or to get a quote.

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What is an SR22?
SR22 is a certificate that insurance companies file with the State verifying your insurance coverage. You may be required by the State to carry SR22 insurance for a year or more. Failure to maintain SR22 during the requirement period can result in suspension of your license.

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Why do I need SR22?
Different violations can trigger an SR22 requirement. Things like unpaid tickets, missed court dates, DUI's or even missed child support payments. Our agents can help you comply with the State requirements. Call us or fill out our online form.

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Will an SR22 affect my insurance premium?

SR22 can in a lot of cases affect your insurance premium. Some companies may even non-renew your existing policy if you have to get and SR22 because you fall into a higher risk. Our agents can best explain you the best way to proceed.

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Why do I need to list all my household residents of driving age?
In some States, the insurance companies may ask you to disclose all residents in your household who are of driving age. If you have additional residents who will not be driving your insured vehicle, you have to exclude them from your policy as drivers. There are different laws between States about exclusions. Our agents can explain you more in detail, call us for a free consultation - (816) 453-7722

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Why did my rates go up?

Most common reason your insurance rates have increased is because of additional moving violations on your driving record or new accidents. However, sometimes your rates can go up for no fault of your own. Insurance companies review their losses every year and some areas are prone to more accidents than others and will therefore be considered a higher risk. Rates for those areas might have a slight increase in rates, while other areas with low accident rates might have a decrease.

Your agent at Bargain Insurance Connection can best answer all questions you have.

Call us for a rate comparison - (816) 453-7722

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