ANDRANIK HAKOBYAN // ShutterstockDifferent ways to avoid the need for SR-22 insuranceNobody wants to get an SR-22. Although it’s often referred to as SR-22 car insurance, it’s technically an insurance endorsement, not a standalone product. This article will explore different ways to avoid the need for SR-22 insurance, as discussed by the experts at CheapInsurance.com. Comparing SR-22 insurance quotes from different insurers is the most effective way to save money. Use Non-Owner Car Insurance: If you don’t own a vehicle but still need to drive occasionally, non-owner car insurance is an option.