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What to Say When You Call for a Non-Owner SR-22

Reviewed 2026-11-09 · 3 min read

A five-minute phone call is all it takes when you know what to say. Use this script.

Opening

"Hi, I need a non-owner auto policy with an SR-22 filed in [state]. I don't own a vehicle and don't have regular access to one."

Details to share

• Your license number and status
• Why the SR-22 was ordered, and the date
• Your address and household members who own cars
• Any other tickets or accidents

Questions to ask

1. "What's the filing fee, and is it one time?"
2. "Do you file electronically in my state?"
3. "What limits does this quote include?"
4. "Is there a discount for paying in full?"
5. "Can you email me a copy of the SR-22 once it's filed?"

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