I have low credit, a felony hit and run car accident, speeding ticket, and careless driving. About 3 years ago I rolled a car off the road and also side swiped a car in a different accident. Now I need to file a SR22 form. I am 20 years old and drive a 1965 Ford F-100. What tips do I need to know to get cheaper insurance at this point? Should I wait until I have found an affordable rate and then ask for an SR22?