Being a high-risk driver means higher insurance costs necessarily. But there are ways to keep your premiums as low as possible, even with an SR-22.
Take a Defensive Driving Class
Virginia will assign points to your license for various driving offenses, like involuntary manslaughter, driving under the influence, and speeding. Fortunately, the state gives you the opportunity, every two years, to have five points removed from your driving record by taking a defensive driving course.
The class could be court-ordered or optional for those 55 and older (senior drivers). The eight-hour class costs $100. Find a course at https://www.dmv.virginia.gov/drivers/#clinics.asp.
Ask for Discounts
Depending on the insurance company, you may be able to get discounts for:
Ask your insurance agent which discounts apply to you.
Get Minimum Coverage
Even though car insurance isn’t a requirement in Virginia, if you choose to have it or are forced to, you must follow minimum liability limits, which happen to be the cheapest option for coverage. For the most savings, don’t add any additional coverages, and stick to the lowest possible limits, as detailed below.
Raise Your Deductible
If you have collision and comprehensive coverage, which apply to property damages from collisions, theft, vandalism, and other incidents, raise your deductible to lower your premium.