Q: How can I get the cheapest SR22 insurance if I usually use my employer’s vehicle?

A: If you spend a lot of time driving around in your employer’s vehicle and relatively little time in your own, then you may have a chance at some of the cheapest SR22 insurance coverage, though it will depend on circumstances. First of all, your employer’s vehicle–who holds the insurance on that? Who pays for it, you or the employer themselves? If your employer does, then you only have to consider your own car.

If you don’t drive your car too much, then it’s very possible that you can get the cheapest SR22 insurance by getting a low mileage discount on your policy. A low mileage discount is one of the most common among car insurance company discounts, and a company may have different requirements to hand it out than another company does. Still, they do often have something in common or close.

Usually, in order to get the cheapest SR22 insurance with a low mileage discount, you need to drive less than 10,000 miles in one year. In some cases, companies lower the limit to 5,000 miles, or to 40 miles each day.