The list below are the states where Serenity Group saved their clients the most money last year.

If you are looking for cheap car insurance and are in one of these ten states, you cannot afford to not fill out the quick quote form or give one of our insurance specialists a quick call.

California
Colorado
Washington
Texas
Wisconsin
Florida
Arizona
Illinois
Virginia
Missouri

If you are in any of the other states that Serenity serves (47 states) you can probably still save lots of money.   Give them a call and see.

For Cheap Car Insurance call 1-800-546-5470

For SR22 Insurance call 1-800-774-0520

DUI REDUCED TO RECKLESS OR NEGLIGENT DRIVING

By Tom Black Serenity Group

Many DUI offenders have a good reason to have an attorney plead their case down to a Wet Reckless citation or a Negligent Driving ticket. Often, a person who uses a vehicle in his or her occupation will lose his or her job if convicted of a DUI. In these cases, taking the Wet Reckless or Neg Driving makes sense.

The insurance industry looks at these tickets differently. Most companies try to base their rates on actuarial science; that is, the odds of accidents happening within certain driving groups or age classifications.

The companies that insure DUI offenders and provide SR-22 certificates charge more premiums for the “lesser” violations of Wet Reckless or Negligent Driving than a DUI. They are assuming that these drivers are more likely to have a serious accident than a DUI offender.

Be aware of the upside and downside of your decisions after you are arrested.

Whether you are a preferred driver looking for cheap car insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Do you need affordable car insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us now toll free at 1-800-774-0520 or fill out an car insurance quote request.

Testimonial for Aida Sosa

Good Morning,

I just to relay my appreciation for the job Aida did for me. I have been having issues with the DMV regarding proof of insurance. This was going on since march. After explaining my delema to Aida she took the ball and got it straightened out. She kept in communication with me and also the DMV to resolve this frustrating problem. It is great to do business with professional people like Aida. Please relay my gratitude to her for going the extra mile for me.

Thank you

David

RECEIPT AND BREAKDOWN OF PREMIUM

—————————

Nancy,
Thank you so much for investigating a way to lower our premiums with out me even calling and asking! It’s a rare occasion to get this kind of customer service!! I have an Arbonne business and would like to thank you with a free sample of swiss formulated skin care products if you would like to use them for 5 days and enjoy. Just send me you home address and tell me a little bit about your skin type. (IE dry, fine lines, acne etc)
Thanks Again!
Karen

—–Original Message—–
From: Nancy
Subject: RECEIPT AND BREAKDOWN OF PREMIUM

Karen,

Please see attached your receipt and breakdown of premiums. If you need anything else, please do not hesitate to call me.

I will contact you again about the end of September to see how we can reduce your premium.

Thank you,

Nancy
Licensed Insurance Counselor
Serenity Group Inc
P O Box 2205
Spokane, WA 99210

Cheap Car Insurance for Illinois Drivers

From a testimonial:

A lady from Illinois (Chicago area) was paying $156 for liability car insurance and she get quoted by one of our cheap car insurance specialists and was only charged $56 .

She was with State Farm in Illinois previously and Serenity Insurance Group was able to provide her with a much lower rate by shopping our large number of insurance companies for the best car insurance rate for her circumstances.

Illinois Drivers - Don’t pay too much for car insurance - call our Cheap Car Insurance specialists today at

1-800-546-5470

WHAT DETERMINES YOUR INSURANCE RATES?

By Tom Black
Serenity Insurance Group

Have you ever moved, changed cars or jobs, only to find that your auto insurance premium jumped? Part of that rate increase could be due to one of many factors that are used to compute your insurance costs.

Where you live-people who live in more rural, or less populated areas within the same state generally have lower insurance costs. The companies figure that being around fewer people makes your likelihood of an accident less.

YOUR AGE-statistics show that people who have more driving experience have less accidents. Young drivers and young males in particular, are many times more likely to be involved in an accident than a person with 10 or more years driving history. (If you are a student, having a good grade average can help lower your premium)

YOUR DRIVING RECORD-the companies hire actuaries who determine your chances of getting in an accident. The more tickets you have on your record, actuaries have shown the more likely you will cause a wreck. Obviously, more serious tickets like Negligent Driving, Reckless Driving, and DUI drive these statistics higher. That is why most companies that will issue an SR-22 filing have higher rates for these high risk drivers.

YOUR CREDIT HISTORY-it may be hard to understand that there is a definite relationship with your credit history and your likelihood to cause or be involved in an accident. Some very scientific men have been able to show a direct correlation between your credit and your costs to an insurance carrier.

YOUR VEHICLE-Some cars or trucks cause more damage to other vehicles when involved in a collision. Some cars or trucks are just involved in more collisions. (Sports cars, hot rods, big SUV’s)

The ideal insurance risk (least likely to be in a wreck) would be a 6o year old married person, living in a farming community, who owns his own home, has no tickets, and drives a 2004 Buick LeSabre.

On the other hand, a very poor insurance risk is the 18 year old young man, living in Los Angeles, who is behind on his credit cards, has four speeding tickets and one reckless driving, and is driving a four year old Corvette.

Keep these things in mind when assessing your insurance costs.

Have you ever looked at your auto insurance policy?

When we purchase auto insurance, most of us are looking for cheap auto insurance, or the lowest rate. Of course, we all want to get the most insurance we can for the least amount.

However, an informed buyer is a far smarter insurance client. If you think you got a better deal because you paid less than someone else, be careful. Auto insurance is coverage and protection, and that can vary widely from policy to policy.

LIABILITY-Covers you if you are sued as a result of an at-fault accident-do you have enough coverage to protect your assets?

UNINSURED MOTORIST COVERAGE-pays for medical bills, loss of earnings, even funeral cost if you are injured by a driver with no insurance.

MEDICAL PAYMENTS-this coverage takes care of medical bills, regardless of who is at fault, resulting from a collision, even if you are a pedestrian.

PHYSICAL DAMAGE-Usually referred t as Comprehensive and Collision. This coverage will respond to fix your car in the event of a collision or other peril that may happen. Vandalism and theft, flood and hitting an animal are considered other than collision. Often these two coverages have different deductibles (the amount you must pay before the coverage responds). Often a higher deductible will result in a cheaper rate.

There are other considerations in choosing a good policy. Please be sure you understand who is covered on the policy. Is anyone excluded?

All auto policies have territorial limits, so please be aware. Most policies let you drive in the U.S. and Canada, but not Mexico. If you drive there, you must purchase special insurance for Mexico.

Remember, a smart buyer is an informed buyer. Don’t be afraid to ask any questions when buying your auto insurance, even for SR-22’s

By Tom Black
Serenity Insurance Group

Whether you are a preferred driver looking for cheap car insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Do you need affordable auto insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us now toll free at 1-800-774-0520 or fill out an auto insurance quote request.

Alert Driving Inc. - ADI

For 30 years Alert Driving, Inc. (ADI) has provided DUI program services to assist in restoration of your driving privilege following an arrest for Driving Under the Influence. ADI has provided services to over 30,000 individuals since selection as the initial pilot program in Santa Clara County. Years of experience with the DMV and the court system have gained them a reputation for outstanding client service and respect as a leader in the development of modern day DUI programs in California.

Staff members at ADI are in the forefront of all DMV changes and system information. They share their knowledge with clients to assist them to regain a valid California driver’s license upon completion of the program if they otherwise satisfy DMV requirements. As a state licensed DUI provider ADI follows all the requirements by law for enrollment, services and program completion in addition to reporting to probation, the court system and the DMV.

All counselors at ADI are state certified as required and are members of either the California Association of Alcohol and Drug Addiction Counselors or the California Association of Drinking Driver Treatment Programs. The staff remains current in the newest trends in addiction studies with yearly continuing education. More than half of the counselors also have graduate degrees in psychology, social work, public health or counseling. The nuts and bolts of the DUI program has a county-wide reputation for excellence, however if you choose to attend ADI it is the staff that will leave a lasting, positive imprint on your life.

Services Offered

Drug and Alcohol Assessments
6-Week Wet Reckless Program
3-Month First Offender Program
9-Month Enhanced First Offender Program
18-Month Multiple Offender Program
DUI’s not yet sentenced
Out of county DUI’s
Out of state DUI’s

CONTACT INFO:

Alert Driving, Inc
1900 Camden Ave
Suite 205
San Jose, CA 95124
Tel: (408) 879-7581
Email
Office Hours:
Monday - Thursday: 9 am to 5 pm
Friday: 9 am - 4:30 pm

Tel: (408) 879-7581

Emmanuel Counseling & Educational Services

Emmanuel Counseling & Educational Services is a Christ-Centered Faith Based Substance Abuse Treatment Agency Approved by the State of Washington Division of Alcohol and Substance Abuse

Philosophy Statement

Extending EMPATHY for peoples social and healthcare issues.

We view each person with COMPASSION as we would be treated.

With Integrity we HONOR all people seeking assistance for a healthy and wholesome lifestyle.

Being HONEST in the fees we charge for the quality and low cost services we render.

Promoting DIGNITY to each person that challenges the dare to think and act responsible.

Being SENSITIVE towards each person’s culture and character traits that we may assist each person to their desire to change.

Let us also be MINDFUL that each person is a creation of GOD with strengths, choices, and the will to overcome.

We will encourage personal GROWTH in each person lifestyle and relationships.

Through EDUCATION and DISCIPLESHIP each person will gain insight to seek GOD first for a continued recovery.

Emmanuel through FAITH, HOPE and COMPASSION will provide a safe and sound environment to those who walk through its doors.

Services Offered

• DUI Assessment
• Alcohol/Drug Information School
• Alcohol/Drug Pretreatment
• Outpatient Treatment
• Intensive Outpatient Treatment
• Relapse Prevention
• Case Management
• Family Counseling/Therapeutic Activities
• Employee Alcohol/Drug Monitoring

Treatment Spectrum

ECES utilizes the Multiple Intelligences and Integration educational modality geared towards relationships with clients and their receptivity to treatment. We do this in a number of ways:

• Treatment Group Sessions
• Interactive Lectures
• Individual Sessions
• Religious Activities
• Sober Support Group Activities
• Client Therapeutic Activities
• Family Interaction Activities
• Cultural Events
• Physical Fitness Activities
• Drug and Alcohol Retreats

Contact Information:

Emmanuel Counseling & Educational Services

12508 Lake City Way NE, Suite 220
Seattle, Washington 98125
Phone: 206-417-2222
Fax: 206-417-2233

A DUI, OR A WET RECKLESS, OR A NEGLIGENT DRIVING?

Tom Black
Serenity Insurance Group

When we find ourselves forced to make a decision to fight the DUI charge and have an attorney try to plea to a different charge, we need to keep certain things in mind.

Many people have a specific reason to avoid the DUI charge. Some will want to do anything to avoid the DUI charge on their records. This may be for several reasons, employment record or to qualify for certain life or disability insurance policies. Regardless of the final disposition, the driver is going to have to file an SR-22 filing with the state licensing authority (DMV, DPS, and DOL).

Here is the surprise: Most insurance companies CHARGE MORE PREMIUM FOR A WET RECKLESS CITATION OR A NEGLIGENT DRIVING TICKET THAN A DUI! Can you believe it? You can generally get lower cost insurance with a DUI than the Reckless Driving or Negligent Driving.

The reason is simple. Insurance companies set rates based on statistical data. More Reckless and Negligent Drivers get in accidents than DUI offenders

Although any one of these citations is difficult, please think twice about the outcome of a “reduced plea”, as it will generally be more expensive when you try to keep your auto insurance costs low.