After your license has been suspended due to any one of a number of illegal acts, like DUI or driving while uninsured, you may get a chance to get your license back if you get something called SR 22 insurance. This is an insurance policy with an SR 22 form attached to your file. You generally have SR 22 insurance for a few years. You may decide you want nothing to do with this form and will take public transportation from now on, but that won't really work out how you think it will. It's worth it to get that SR 22 insurance now and get it over with.
The Point Is to Get Your License Back
The best reason to get SR 22 insurance is that it's the only way to get your license back after a DUI or other reckless-driving issue. You can't wait it out or move to another state in hopes of avoiding the form. In fact, you should be happy you've been given the chance to get SR 22 insurance because you're being given a new start. You may still have a less-than-great record, but in terms of your license and insurance, you're getting that second chance that a lot of people don't get at all.
You Need a Minimal Policy Only
The policy that you need for SR 22 insurance is minimal compared to a conventional car insurance package. You have liability and property damage requirements, along with coverage for bodily injury liability and personal injury protection, if your state requires that. You can get fairly low-cost insurance if you stick with the minimum coverage and have monthly premium payments. Of course, you can opt for more coverage if you want. You'll be able to discuss that with the insurance agent.
You'll Have to Get It Eventually
Even if you decide not to deal with car insurance now because you don't want to deal with the SR 22 form, well, you'll have to eventually. Your record will reflect why you were told to get the SR 22 for years, and if a few years from now, you want to drive once again, you're going to have to deal with the SR 22 at that point. You may as well get it over with while you have access to insurance companies willing to sell you a policy that fulfills the requirements. Remember, you don't have to drive if you don't want to. But a license and insurance let you drive in an emergency.
Speak with your insurance agent first, and if that company's policy is too expensive for you, look at other insurance companies. Some market specifically to people needing SR 22 insurance, and their policies will be tailored to your situation, including if you don't have a car.
For more information on SR 22 insurance, contact a company near you.