For anybody who is faced with the first time they are required to buy gay friendly SR22 insurance, it can be like looking at a maze. The slight freedom which you had before in letting your car insurance lapse while you paid other bills no longer exists, and you face the options of either paying your car insurance or driving illegally on a cancelled license. Not everybody gets the Paris Hilton treatment when they’re caught for this.

So here’s a basic explanation of gay friendly SR22 insurance.

When you’re caught for a number of things, most commonly having racked up too many traffic tickets, driving drunk, or driving without car insurance, your license is often suspended. Most states require you to file proof of insurance in order to restore that license. This proof of insurance comes in the form of the SR-22 filing, which generally costs between $15 and $30. Even though the filing fees aren’t too high, the risk an SR22 requirement brings can inflate your prices like a balloon.

In most states, you have to keep your SR22 form on file for at least three years, sometimes more depending on the seriousness of the offense. If you don’t have insurance during that time, your license is cancelled.

Gay friendly non owner car insurance is an excellent policy to chek out when you’re in a unique driving situation. If you don’t really own a car, or if you tend to drive other people’s cars, then it might be a good idea to buy one of this, especially if you have to file an SR-22 form. Even if the car you tend to drive is already insured by the owner, such as a company car, you can take responsibility for yourself by adding on some additional coverage to take care of things if their coverage isn’t high enough, so that you don’t get into financial trouble. If you tend to drive rental cars very often, it’s cheaper to have a non owner policy, rather than buying insurance from the rental company every time.

Still, gay friendly non owner car insurance is limited and somewhat expensive. You are only permitted to purchase liability coverage–as well as no fault coverage, if you live in a no fault state–and the prices for this can be steep considering that the company cannot factor in your vehicle when rating your policy. Nevertheless, there are ways to save on this.

You can keep your coverage worthwhile but low, add your policy in with other insurance policies, keep your grades high and school, take the bus more often, and so on. Call your insurance company to find out about more discounts.