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Cheap Car Insurance: Get Free Offers Now

It was always hard for someone to find the relevant insurance companies in a certain area, but it is not any more with the cheap car insurance offers we provide using our services. We provide the exact company quotes on your provided ZIP code.

This is very time saving, as one might find himself having to look thru all the relevant ads and relevant commercials and still be unable to get any car insurance offer close to him. To help you even more on finding the best insurance companies, we provide some general aspect descriptions having to be considered when trying to choose such a company.

Our services are nonstop, on the clock. These can be accessed from the comfort of your home. If you’re a local driver and just bought a new car, don’t waste time on other sources, as the online diversity is so much higher.

There are some very good reasons for the rates of insurance companies. Some statistics can be quite surprising to most readers. In the following section we try to tell you about some of them.

Fact number 1: the average driver is most likely to experience conditions that would lead to an accident at an average of one per month.

Fact number 2: the average driver is most likely to be involved in an accident once every six years.

Fact number 3: In America, there are more than 10000 accidents every year on the road.

Fact number 4: 20 out of 100000 drivers die every month in auto accidents.

Fact number 5: roughly a quarter of all the drivers on the road are uninsured.

These facts all indicate that car insurance is extremely useful, as you might find yourself in any of the previous facts. There are a lot of misfortunate accidents that cause people to lose money, while they have the impression that they’ve actually saved money by not having even cheap car insurance. This is a trap in which many people fall.

There are also a lot of people who can’t comprehend why do the insurance company ask such high fees. But anyone should bear in mind that the insurance companies keep track of your credit history and of your driving history. If they don’t keep track, they will most likely, as soon as you manifest the will to sign a contract, seek to find out as much information as possible about you.

When you think of the situation from their point of view, it makes sense to take all the precaution measures given all the types of drivers we have in our country. Another aspect worth considering is how women are treated. They usually get off with smaller fees to companies.

No matter the fees, or company names, it pays to simply be attentive and receptive to all the offers near to you. This is why we kindly advise you to use our services, enter the ZIP code above and find the best cheap car insurance offers on our website.

Auto Insurance Laws: Can DUI Misdemeanor Leads To Felony?

DUI can be simply defined as driving a car after ingesting alcohol or any controlled intoxicating drug. The set limit for blood alcohol concentration when it comes to DUIs is different for each state but most have it at 0.08 percent. The consequences of being arrested with a blood alcohol level exceeding the one set by the state are dire and vary from state to state. The common thing is that the Auto Insurance Laws in all states vehemently outlaw intoxicated driving. Driving Under the influence in most states is viewed as a misdemeanor but it can also be classified as a felony. The definition of a felony according to the federal law is any offense that can result in someone being arrested for more than a year or that is punishable by death. A misdemeanor on the other hand is an offense that is punishable by an incarceration of one year at the most.

Whenever an offense moves from being a misdemeanor to a felony, there must be serious allegations to confront. According to the Auto Insurance Laws, a DUI can only move from a misdemeanor to a felony if it is a repeat offence or if there was a severe physical injury or death that occurred as a result of an accident caused by a drunken driver. This is a very serious crime and most states do not take this lightly. An individual can easily be charged with reckless homicide which carries a very severe sentence.

Reckless homicide means that the individual driving the vehicle caused someone to lose their life as a result of them being careless on the road. The difference between a DUI being classified as a misdemeanor or a felony varies from state to state.  States like New York take DUIs very seriously and may classify a DUI as a felony if the offender has a second conviction on the same crime. On the other hand, in more lenient states like Georgia, a DUI is classified as a felony if the offender has a fourth conviction of a DUI. These laws may be different but they still preach the same virtues of no tolerance to DUIs.

It is important to know what different states classify as a misdemeanor or felony when it comes to DUIs. In states like Arizona and Arkansas, a DUI becomes a felony when the offender commits a third and fourth DUI offense when there are children under the age of 15 in the vehicle and is involved in an accident. In California and Colorado anyone committing a DUI for a third time will be charged with a DUI Felony on the fourth arrest in a span of ten consecutive years. In addition to this anyone who causes physical injury or death as a result of a DUI accident will also be charged with a DUI Felony.

More information on the other states is available online. To know more about them, enter your area Zip to see what your state has to say about DUI misdemeanors and felonies.

What Auto Insurance Laws Has To Say About Recidivism In The US

For a long time, private organizations alongside legislators have been fighting against drunken driving. Their major fight has been against repeat offenders or the act of recidivism. Recidivism refers to offenders who have been arrested time and again for the same offence and in this case DUI. Auto Insurance Laws are indeed strict on DUI but have made little headway in the fight against recidivism. Tougher penalties and punishments have been put in place but most seem to punish first time offenders as harshly as repeat offenders.  This has been an issue that many in society find unfair since most first time offenders just had a slip in judgment while repeat offenders are more often than not alcoholics.

Argument is rife that persons with recidivism can benefit more from mandatory rehabilitation than from large fines. Research done by the DMV states that, DUI offenders with low blood alcohol concentration are at a higher risk of falling into recidivism than those with higher concentrations. This is because low blood alcohol concentration means lower fines and fees that may otherwise not serve as a good enough lessons making the individual highly likely to repeat the offense again. This therefore makes them very risky on the roads. As a result, the research by the DMV concluded that an individual with a short history of multiple traffic violations is a clear indication of recidivism.

Mothers Against Drunk Driving (MADD) have in the recent past pushed legislation to use technology in the fight against drunk driving. This heralded the introduction of the ignition interlocking device which has so far been the biggest achievement yet. The device works by restricting ignition of the vehicle until the driver provides a breath sample by blowing into the device. The blood alcohol concentration restriction configured onto the device is set at 0.02 percent. If the concentration of alcohol in the individual’s breath is at or above the set limit, it restricts the vehicle from starting. If you need to go somewhere and your vehicle does not start you will be forced to look for other means of travel. That in a nutshell is the theory behind the invention of this device.

The intoxicated driver will be forced to opt for public means to get to where he or she wants to go or have a friend take over and drive him or her. The ignition interlock device has now been introduced as part of Auto Insurance Law. This means that offenders are ordered by the court to have their vehicles fitted with the device to avoid repeat offences. If the offender is a member of a family, the law will require that all the vehicles in the household be fitted with the gadget. This is just an additional safety measure to ensure that the offender does not use another family member’s vehicle to repeat the offense.

All these expenses are extended to the offender, thus making recidivism a very expensive venture. To learn more on this, enter your Zip in the slot provided at the start of the page.

The Truth About SR-22 Auto Insurance Laws In USA

The SR-22 auto insurance cover is a special cover that is meant for drivers who cause accidents while intoxicated. This is not put in place to show laxity in terms of Auto Insurance Laws dealing with DUIs but to act as an option in the event that the driver’s livelihood is dependent on driving. The SR-22 insurance cover is used by persons whose driver’s licenses have been suspended in the event of an accident that they were found to be driving drunk. The DMV in America is the governing body when it comes to auto related issues. The DMV can suspend a driver’s license for a number of reasons. Several traffic infractions to some extent can lead to your license being suspended. For this reason, the SR-22 policy was put in place to rectify or offer an alternative to such a situation.

The purpose of auto insurance is to show proof of liability in the event of an accident. The SR-22 insurance policy serves the same purpose only for a different situation. Once an individual’s license is suspended, for them to be able to drive on the road again, they must obtain an SR-22 insurance cover from the DMV as proof of liability in the event of an accident. Other circumstance that the SR-22 insurance cover can be applicable is when one is involved in an accident when uninsured. In such an event, the DMV requires that one has an SR-22 cover that spans from between 3 to 5 years. This is usually referred to as the SR-22 filing period. The rules and regulations however, may be different in every state.

The main thing to put in mind is that the gravity of the offense dictates the length of the SR-22 filing period. This means that the filing period in extreme cases may extend to more than 5 years as set by the DMV.  However, much the SR-22 insurance policy may help in such stringent circumstances and it also does not come cheap. Its premiums are much higher than conventional auto insurance, but it is probably for the right reasons. Once the SR-22 reaches its maturity the premiums for the said individual may revert to normal.  However, this is all dependent on if the driver did not have any traffic infractions during the span of the SR-22 filing period. The DMV will be informed if for any reason the SR-22 lapses before running its full filing period. They will investigate the reason behind the lapse and will decide if the driver should face stiffer penalties or just wait until the expiry of the period which the driver’s license was suspended. An SR-26 is issued once the SR-22 reaches its full term or is cancelled for any reason.

However, not all states in America have included the SR-22 into their Auto Insurance Laws so do not automatically assume that you can obtain it once your license is expired. To check if you have access to SR-22 cover from your area, enter your Zip at the beginning of this web page.

Ways To Deal With First Time DUI Offence According To Auto Insurance Laws In America

Auto Insurance Laws dictate that once you are arrested on suspicion of DWI or DUI, your driver’s license is immediately suspended. The length of the suspension of your license is left to the courts to decide after weighing the circumstances surrounding your arrest. Whether you are a first time offender or not, there are no special privileges accorded to first time offenders. Such strict measures are put in place to permanently deter first time offenders from repeating the DUI felonies again. In most states, the law clearly states that an intoxicated person is one whose blood alcohol concentration is above the limit set by the state or someone who has little or no control over their mental senses as a result of consumption of alcohol or any controlled substances. Each state has its own set limit according to its law when it comes to blood alcohol concentration and DUIs.

The discretion of whether to stop a driver for DUI or not is left to the judgment of the police officer in the field. Before stopping you to investigate for drunken driving, the police officer has to make a judgment call on whether you are driving recklessly or not. Once the officer stops you, he or she will have to collect sufficient evidence from you to prove that you were driving under the influence of alcohol or drugs. The evidence collected includes breath, blood samples as well as physical tests to gauge your level of intoxication. During commission of these tests, the police officer’s car has a dashboard camera that records you going through the drills that they have suggested and can be presented in court as additional evidence. In some cases, the individual may be too intoxicated to perform these physical tests. If this is the case, the officer will testify as to why they were unable to run the physical tests in the field and must have the footage from his car to prove so.

On conviction of DWI or DUI, depending on the gravity of the offence, you may be put under probation or may have to serve a jail term according to your charges. Auto Insurance Laws in America basically state that first time offenders can be put under probation for 2 years plus additional fines and fees may be attached to it. As stated earlier, each state has its own laws regarding DUIs. The difference comes in when it is sentencing time. In some states, first time offenders may walk away with a slap on the wrist or a small fine while stricter states may decide to make an example out of you. Despite the court mandated fines and penalties, you will also have to pay for your legal fees plus the additional premiums that will be added to your auto insurance policy after you are done with the case.

Once you have been arrested once for this offence, it sets a bad image for you to your insurer and it will take a while for you to go back to your previous premiums. For more information about car insurance policy, all you need to do is enter your Zip above and we will get you the information you need.

Auto Insurance Laws :Reasons Why You Need A DUI Lawyer

A DUI arrest is something that may arise from something as easy as taking the last drink or sip of wine that you know is above your limit. Due to your intoxication, you may have failed to see the speed limit signs or unintentionally crossed a red light at an intersection. This dawns on you when you hear a police car’s siren behind you. There is nothing much you can do now but wait to be arraigned in court to answer for your mistakes in judgment. So you contend with the court’s decision and pay the fines and whatever else that come with a DUI offense as far as the Auto Insurance Laws are concerned.

After doing all this, one thing will still remain— a long time reminder in your driving record that you were arrested on a DUI. Such a taint on your driving history means that you will have to contend with high auto insurance premiums for a long time to come. DUI convictions have far reaching consequences that stay with you for a long time. These are among the effects imposed by Auto Insurance Laws put in place to discourage drunken driving. A DUI conviction can easily cost you your job plus add to that a future of high insurance premiums for yourself.

AutoInsuranceFrom frequent lobbying from private groups discouraging DUI, you may be required as part of your conviction to attend AA (Alcoholics Anonymous) meetings or do community service to permanently etch in your mind the gravity of your offence. All these financial and social tolls that you will experience are put in place to serve as a lesson to you as well as to deter other would be offenders on DUI.

The best and most convenient albeit expensive way to go through this is by hiring a DUI Lawyer. Auto Insurance Laws when handled by a qualified DUI attorney can allow you to remove the tarnishes from your driving record and make it seem like they never even occurred. A good DUI attorney can put in a request to the courts on your behest to have your conviction withdrawn from your driving records. Such an Auto Insurance Law is however not available in all states within the United States. States like California will not allow such a plea to go through when you are still in jail or on probation.

The only way to go about this is to wait until the expiry of your sentence or probation before going to court with the plea. What most people prefer is to have a qualified DUI Lawyer on call at all times especially if you have already had the experience before. Such an attorney must be certified in administration of breath tests as well as sobriety testing.

A good attorney can get your DUI conviction removed from your record by proving to the court that society will benefit from having your DUI record erased. However, a DUI Lawyer do not come cheap so however much you may have your DUI record removed you will still have huge legal fees to contend with. To find such an attorney in your area, enter your Zip at the beginning of this page and we will direct you.

Auto Insurance Laws: Know Your Rights And Privileges On Sobriety Checkpoints.

In Auto Insurance Laws, there is a provision for having Sobriety Checkpoints to help in reducing DUIs. The Sobriety Checkpoints are however not compulsory but any officer manning these points must adhere to the law. According to the fourth amendment, each individual has rights when it comes to Sobriety Checkpoints. This means that no officer can search someone’s property without legal mandate or clear reasons. Sobriety Checkpoints are only common in states that have strict laws regarding DUIs. The other states that do not have Sobriety Checkpoints see them as a violation of people’s fourth amendment rights and have thus outlawed them.

The evidence gathered from these Sobriety Checkpoints can be used in a court of law to convict an individual on DUI charges. However the collection of this evidence is a sensitive affair and must not in any way infringe on the fourth amendment rights of the individual. This means that the arresting officer must follow clear set guidelines or otherwise the offender might walk scot free due to a technicality. Qualified DUI attorneys look very keenly on this part of evidence collection and usually file motions to suppress the evidence or have the case thrown out due to illegal search and seizure of the individual’s private property.

For a police officer to make an arrest at a Sobriety Checkpoint, they are required to keenly study the suspect’s behavior as well as run a battery of field tests to support their claim. There are a number of legal requirements that have to be met before setting up Sobriety Checkpoints. There are:

* A court order validating the setting up of a Sobriety Checkpoint

* Sufficient intelligence on why the checkpoint should be set up and where since the location must be safe.

* The police officers stationed at the checkpoint must have legal certification to prove their presence.

* And finally the police officers are required by law to inform the residence of the area that they will be setting up a Sobriety Checkpoint.

Before an officer of the law asks you to stop, he or she must have a valid claim as to why they have requested you to stop. This is because it has been known that some checkpoints are set up to target a specific group of people and that is against the law. Once they stop you on suspicion of DUI, the officers will take you through a number of field tests to test your sobriety status.

The tests could involve walking in a straight line, standing on one leg and many more. Each police car is fitted with a surveillance camera that records all this and can be presented in court as part of the evidence collected. You are well within your rights to decline these tests but this will only result in the immediate suspension of your license before even going to court.

Many people fall culprit to overzealous officers because they do not know their rights and privileges when it comes to a DUI arrest. Enter your Zip at the start of this page to keep yourself in the know as far as DUI arrests are concerned.

Auto Insurance Laws: The Importance Of The Certificate Of Financial Responsibility

As required by Auto Insurance Law, each driver on the road must have an auto insurance cover before driving on the road. In special circumstances, one may have to take up a Certificate of Financial Responsibility cover so as to drive. This cover is meant to show that the driver has the minimum liability insurance cover in the event of an accident. One such cover is the SR-22 insurance policy which has different requirements depending on the state that one is in. It is slightly different from conventional auto insurance but it is usually pegged on the minimum liability insurance requirements of each state.

The SR-22 insurance policy covers physical injury per individual, physical injury per accident and damage to property. This minimum liability policy is meant to cover the damage to persons or property by the driver who is at fault. Any physical or vehicle damage to himself or herself is up to the driver to foot it from their own pocket. There are mainly three kinds of SR-22 insurance policies; these are motor cycle, car, and non-owner insurance policies. The non-owner cover is meant for persons who are driving vehicles that are not registered under their own names. The car could be rented, borrowed, registered under a business name or a commercial vehicle. The car and motor cycle insurance policies are for persons who are driving their own vehicles.

The SR-22 cover is usually taken up when it is demanded of by the court. This in essence means it usually comes up when one has a traffic violation or a DUI that rendered their driver’s license suspended. Since one cannot use their driver’s license and they need to drive this Certificate of Financial Responsibility in terms of the SR-22 cover acts as their proof of insurance in the event that they are stopped by a police officer. The SR-22 policy does not come cheap and that is why it is only meant for times when the individual does not have a driver’s license for whichever reason.

Its premiums are usually higher than conventional auto insurance since it is sort of a punishment resulting in the suspension of the driver’s license. If your driver’s license has been suspended for one year, the SR-22 policy that you take up should be for the period which your license is in suspension. If during this SR-22 filing period the individual commits another traffic offense, the matter is reported to the states DMV office. It is within the state’s DMV prerogative to impose stiffer penalties or to revoke the SR-22 cover if they see fit.

There are numerous auto insurance firms in the US that offer Certificate of Financial Responsibility covers. All one has to put in mind is the minimum liability requirements for their state of residence. SR-22 cover is not only required in the event of a DUI arrest but can be used for many other traffic offences. To get more information on the companies offering SR-22 cover in your area, enter your Zip code at the top of this web page.

Auto Insurance Laws That Governs Underage DUI And DWI

Underage drinking is something that is against the law all over the US. Auto Insurance Laws all over the US state that the minimum drinking age for everyone is 21. This therefore means that anyone below this age found to be drinking is in breach of the law. Anyone below this age is referred to as a minor and if found driving with blood alcohol level of 0.01 percent and above may have their license suspended for a period not exceeding one year. Having your license suspended at such a young age sets a bad precedence as far as Auto Insurance Laws are concerned.

The access of Cheap Car Insurance is heavily dependent on ones driving record and if it is stained while still fresh, you will be paying high insurance premiums for a long time to come.  The penalties and fees levied against such an individual depend on the level of intoxication at the time of the arrest. Auto Insurance Laws are clear when it comes to underage drinking and driving in that one found with a blood alcohol level of above 0.05 percent will be charged with DUI in a court of law.

Such underage drinkers are usually requires on conviction to attend alcohol or drug rehabilitation programs to reduce chances of recidivism. For persons 21 years of age and above, the blood alcohol concentration level limit set for them is 0.08 percent. People above the age of 21 may face suspension of their licenses or harsher penalties including incarceration.

Once convicted of underage drinking, the consequences reverberate to affect someone later in life. However, much this may seem like a onetime event; the conviction is a permanent blemish on ones record and will serve as a constant reminder of one childish mistake made in the past. Most parents may be happy that their teenager finally learned a valuable lesson, forgetting that all that will come after will affect them. The parent eventually has to foot the fines and penalties that come with the underage DUI conviction.

After a DUI conviction what usually follows is an increase in auto insurance premiums. This burden is usually borne by the parents since they are usually the ones paying for the teenager’s auto insurance in the first place. Controlling a teenager is hard work for any parent and it is usually easy to understand their way of thinking.

Once arrested for underage drinking, it is advisable for parents to immediately hire a qualified DUI attorney.  Trying to handle the legal battles that come with a DUI arrest could land you in a bit of a quandary as compared to hiring one. It may cost you some dollars but it is the most advisable way to go. Having a DUI attorney present can stand between an incarceration and an acquittal. There are many qualified DUI attorneys available via the internet all you have to do to get legal advice is to enter your Zip code at the start of this page.

Auto Insurance Laws That Concerns DUI And DWI

Over the years, many accidents have been as a result of drivers driving under the influence in America. The American bureau of statistics has it that accidents caused by drunken drivers are responsible for one person dying every 22 minutes. Such statistics have made Auto Insurance Laws to be very stringent on cases of DUIs and DWIs. Numerous lives have been lost or affected and millions of dollars lost over the years as a result of drivers under the Influence.

As a result, laws all over the United States on Driving Under the Influence have been made tougher and carry very stiff penalties for the perpetrators found guilty. The first law on DUI and DWI was passed in 1910 in New York and was soon followed by the state of California and soon the rest of the states followed making laws on DUI common all over the States. However, not all laws are the same and neither do they carry the same penalties but they do carry the same message which is Driving Under The Influence is outlawed and carries stiff penalties.

From 1910 to around 1930, the law against drunk driving was sort of broad spectrum and did not define clear guidelines on the levels and penalties of DUI. It basically affirmed that no one was allowed to drive when intoxicated. Later in the 30s, the national safety council and the American medical association carried out studies on the effects, causes and possible solutions to Driving Under the Influence. The national safety council carried out research on determining intoxication levels while the American medical association did studies on the major causes of road carnage.

The two institutions later in 1938 combined their findings and came up with a unanimous solution. Their solution was that no driver was to be allowed to drive with a BAC (Blood Alcohol Content) level exceeding 0.15 percent. These findings were entrenched in the Auto Insurance Laws and have been in place ever since. Anyone found driving with an intoxication limit of more than 0.15 percent has since then been charged in a court of law with an offence. However, this limit of 0.015 percent is the highest all over the States since some states have revised the law to set lower limits.

This is because many private organizations have been putting pressure on legislators to tighten the restrictions on drunk driving. One very vocal organization is the Mothers Against Drunk Driving (MADD) which was the first to champion for stiffer laws against drunk drivers. In order to ascertain a drivers BAC level, they are required to submit to a breath test that is take by a breathalyzer. Each state has set its own BAC level according to its laws. If the breathalyzer shows that the driver’s BAC level is above the limit set by the law of the state, their driver’s license is suspended pending further investigation.

Auto Insurance Laws are very clear and strict when it comes to Driving Under The Influence and it is best for citizens to keep themselves informed thusly. Enter your Zip at the top of this page to find out more on DUI laws in your state.