Pros and Cons

Serenity offers assistance where other insurers don’t, with support for SR-22s, non-owner insurance, and what’s known as “broad form insurance. If you don’t own your own car or if your state DMV requires you to get an S-22 before you start driving again, Serenity can step in and assist in a way that other car insurance companies can’t. Serenity also has options for drivers looking to fill only the minimum insurance coverage required in their state.

While Serenity offers expertise in areas other insurers don’t, it doesn’t deal with the standard coverage you’ll find at other insurers. Serenity doesn’t offer collision coverage, comprehensive coverage, medical payments coverage, or uninsured and underinsured motorist coverage. Therefore, if you’re looking for these forms of coverage, it’s best to find another insurance agent.

The other thing to be aware of is that Serenity is an insurance agent (or broker) and doesn’t offer direct insurance. It helps connect you with the best vehicle coverage for your SR-22 needs from a network of top insurance providers.

Types of Auto Insurance

As mentioned, Serenity Insurance specializes in providing the types of vehicle coverage other insurance companies don’t. It doesn’t provide collision or comprehensive coverage, but it does offer all the types of car insurance listed below.

SR-22. Also known as a financial responsibility filing or a certification of insurance, this is a form required by most state Department of Motor Vehicles (DMV) offices for high-risk insurance policies. A state DMV may require that a driver purchase an S-22 to have their driving privileges reinstated following an uninsured car accident or traffic-related conviction such as driving under the influence of alcohol or drugs (DUI). Some states require that drivers maintain a valid SR-22 for three to five years after an uninsured accident, DUI, or driving with a suspended license. Serenity offers expert assistance to make sure customers know their obligations.

Broad form. Broad form insurance is an alternative name for minimum liability requirements in certain states. Serenity offers broad form insurance in the following states: Colorado, Delaware, Idaho, Iowa, Maryland, Mississippi, Nebraska, Nevada, Ohio, Tennessee, and Washington. Broad form insurance fulfils the requirements for SR-22 insurance. If you are at fault in an accident, this type of coverage pays the victims’ damages but it doesn’t cover your own damages (which are covered by collision and comprehensive if you purchase them from another insurer).

Non-owner car insurance. This type of coverage fulfils your state’s minimum liability requirements if you don’t own or don’t have access to a vehicle. It is designed for people who occasionally drive someone’s else’s vehicle or drive a car for their employer. Serenity offers non-owner car insurance in all states except Colorado, Maryland, New Jersey, and New York.

Commercial auto insurance. Serenity specializes in providing commercial vehicle insurance for people with SR-22 requirements.

Motorcycle insurance. Serenity specializes in providing motorcycle insurance to motorcyclists with SR-22 requirements.

RV insurance. Serenity specializes in providing RV and trailer insurance to motorists with SR-22 requirements.

How to Apply

Serenity offers quotes online and over the phone, but we recommend applying to this insurer by phone. Serenity has been in the business of SR-22 insurance for 20 years, and its agents specialize in helping drivers get the right form of insurance no matter what their SR-22 requirements.

To get the process started, call 800-774-0520 between 5:30 a.m. and 6 p.m. PST (8:30 a.m. to 9 p.m. EST) Mondays to Fridays. Serenity’s agents will help direct you to the nation’s top auto insurance companies for your specific needs. They will also work you through all your SR-22 insurance reporting requirements.

Getting a quote is simple. All you need to do is hand over the following information: name, gender, age, zip code, email address, and phone number. You’ll also be asked to answer yes or no to the following questions: Do you own a vehicle? And do you require an SR-22 filing?

Filing a Claim

Serenity is an insurance agent and not a direct insurer. Serenity helps its customers every step of the way in the application process. Once your auto coverage is signed and approved, your relationship with Serenity ends and all claims must be filed with the direct insurance provider Serenity helped set you up with. Most of Serenity’s partnering insurers let customers file claims by phone and email, and some also offer online portals or mobile apps where you can file claims.

Contact Details

Serenity’s service is built around offering expert customer support on everything to do with SR-22 filings. If your state DMV has ordered you to purchase car insurance with an SR-22, Serenity’s agents can offer support during extended business hours.

Phone: 800-774-0520

Address: 930 W Second Ave, Spokane, WA 99201

Summary

If your state DMV has ordered you to get car insurance with an SR-22 certificate, Serenity is a good place to start your search. Most big car insurers don’t offer much expertise when it comes to SR-22 filings. Fortunately, Serenity has stepped in to fill the gap, offering expert SR-22 assistance for more than 20 years. Serenity assesses your situation to find the right level of coverage to match your driving profile and your state DMV’s SR-22 requirements.