Why Summer in San Antonio Is the Right Time to Reevaluate Your SR-22 Coverage

Summer in San Antonio brings more than just sunshine and festivals—it’s also the perfect time to reassess your SR-22 insurance coverage. Whether you’re navigating the aftermath of a DUI, driving without insurance or another serious traffic violation, SR-22-related coverage is a legal requirement in Texas for high-risk drivers. But as your circumstances change, so should your insurance strategy.

What Is SR-22 Coverage?

An SR-22 is often misunderstood as a type of insurance policy, but it’s actually not insurance at all. Instead, it’s a certificate of financial responsibility that your insurance provider files with the state to prove that you carry the minimum required auto liability coverage.

Why Reevaluate Your SR-22-related Coverage?

First, summer often means more driving—road trips, vacations and increased traffic. This uptick in activity can expose gaps in your current policy. If your SR-22-related coverage doesn’t adequately protect you during high-traffic months, you could be at greater financial risk in the event of an accident.

Second, insurance rates and requirements can shift over time. If you’ve maintained a clean driving record since your SR-22 certificate was filed, you might now qualify for lower premiums or even be eligible to remove the SR-22 requirement altogether. Summer is a great time to check in with your insurer and explore these possibilities.

Additionally, Texas insurance laws and provider policies can change. Reviewing your coverage can help you remain compliant and avoid penalties or license suspension. San Antonio’s hot weather can also affect vehicle performance, increasing the likelihood of breakdowns or accidents—another reason to verify that your policy is up to date.

Finally, many insurers offer seasonal promotions or discounts during summer. Taking advantage of these can help you save money while maintaining the coverage you need.

Learn More

To review your auto insurance, contact Texas Associates Insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.