If you were caught driving and you didn't have any insurance, the law will require you to have SR22 insurance the next time you get behind the wheel. There are a variety of punishments that you may get for committing this crime, like fines, suspension of your license or even jail time, and you'll you have to pay a high rate to get insured again in the future.

All SR22 insurance isn't the same, so shop around to compare your options. Even though SR22 insurance means you are a high risk driver, there are a few things you can do to help save money on your insurance bill each month.

Pay in Full

Some SR22 providers will require that you pay the year in advance, so they can be confident you won't try to go without insurance again. The licensing bureau also may want to know that you are completely insured for the next year, so you may be required to bring in proof that you have purchased a full year's worth of insurance before you can get your license reinstated. Paying in advance should get you a lower price because the insurance provider doesn't have to worry about missing payments.

Take a Defensive Driving Course

A defensive driving course is usually available online for drivers, and many states have their own course. It will teach you how to look out for people that are driving aggressively or carelessly, to reduce your chances of getting into an accident. This course could provide a modest discount with different insurance providers.

Driving a Safer Vehicle

Just because you are a high risk driver with a flaw on your driving record doesn't mean you can't drive a safe vehicle. If you have front and side airbags, anti-lock brakes, daytime running lights and other safety options on your ride, you could save significantly on your auto insurance rates.

Once you find the policy that you want, make sure you print out a copy of your coverage plan and your insurance card. Take this to your local DMV to prove that you have coverage, so you can get your license back. If you need to have this insurance for multiple years, make sure that you renew about a week before the expiration date. Doing so means you never go without coverage, and this could even earn you an additional discount on the price you pay for the policy. Learn more here.