Reader question:

I sort of understand Hartford Connecticut SR22 insurance for non owner drivers, but let me see if I get it straight: it’s a kind of policy, right, that you get when you don’t own a car and it covers you so you can get your license back, but you can only get basic insurance? So why is it so expensive?

Laurel

Great question, Laurel.

I’ll add a few mor details to your already excellent description. Yes, the Hartford Connecticut SR22 non owner driver insurance only gives liability coverage, and it only covers you while driving cars which you do not own. The insurance attached to the car kicks in first in the case of the accident, and then your own insurance if the owner’s is insufficient, or if the owner was not insured at all.

Now, as to why the Hartford Connecticut SR22 non owner insurance policy is so expensive. You forget that his kind of policy is missing in its rating process the most important tool of them all: the vehicle. They cannot rate the vehicle you drive the most often, nor the one you usually drive, or intend on driving. They can’t rate any of these vehicles at all. So, they have to assume that you are going to be driving a vehicle that is more risky than the rest, and there you go.

Cheers,

Fashun Guadarrama.