Walt from California said,

Mr. Black,

thank you for the note. Let me compliment a CRAIG who was my original contact with your organization, I believe in Spokane. Being 71 years old and never had a ticket in 55 years of driving, my DUI was most upsetting to say the least. I talked to many agencies and finally contacted Craig with your company. Made about four calls to him and found he was courteous, businesslike and took the time to explain my options carefully. Thank him for me. Again, thank you for the congenial response for having chosen your organization.

AUTO INSURANCE BASICS

By Tom Black – Serenity Insurance Group

LIABILITY Insurance Coverage – Pays for injuries caused to others or their property. This money goes to others

Collision Insurance Coverage – Pays for the repair of your car if involved in a collision. This is optional coverage, and has its own premium for it.

COMPREHENSIVE Insurance Coverage – Pays for damages to your car caused by fire, theft, vandalism, windstorm, flood, and glass breakage. This also is optional coverage, and an additional premium will be charged for it.

UNINSURED MOTORIST Insurance Coverage – Pays if a negligent uninsured (or under insured) driver injures you or others in your car. This also is optional coverage and carries a slight premium.

Whether you are a preferred driver looking for cheap car insurance or are 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.

Cheap Auto Insurance

Three Main Factors in Finding Cheap Auto Insurance Quotes

People who search online for Cheap Auto Insurance Quotes generally are looking for the cheapest car insurance rate for the available best coverage.
Whether they want to insure multiple vehicles or just one automobile, a cheap insurance rate is essential to yourr satisfaction.

By going online you can easily get one or multiple auto insurance quotes. How do you tell which one is the best value and will be the cheap car insurance that you seek. If you don’t understand what the online quotes mean mean and what kind of coverage you are getting, you can’t compare the rates to each other and you really can’t tell if the best rate has been offered or if you are being sold an expensive insurance policy for your car.

We offer car insurance quotes for up to 16 different companies and shop for the best car insuranc erates for you. To understand what goes into an insurance rate quote, we need to describe how rates are established:

Three main factors go into determining how much you pay as your insurance premiums. These factors are coverage, the deductible, and other factors.

Factors affective coverage include how much liability insurance coverage you need, the kind of car you drive, how many drivers drive each car and whether or not car is paid for, leased, or financed. Financing (lease or loan) is a major factor in determining coverage, because a lender or leasing agent will likely require full coverage.

The deductible is the portion of a claim that you pay out of your own pocket before the insurance company pays anything.   Generally, your deductible will be between $500 and $1,000, but a higher deductible will reduce your monthly premium and a lower one will increase it.

Other factors for getting Cheap Car Insurance are basically everything else that can influence your insurance rate. Some insurance companies will give various credits and deductions based on things like your credit rating, driving record, age, gender, and marital status. Young male drivers typically pay a premium while older drivers (age 55 and over) might qualify for age-related discounts.  People with poor credit are likely to pay higher rates and accidentsand tickets can push the rate higher as well.

Factors that can lower your premiums include a good driving record, long term loyalty to a  company, having your home and auto insurance with the same company, and defensive driving classes. Some insurance companies even give discounts to people in certain professions, like teachers and engineers.

Neill from California said, “Thank you all very much for my birthday wishes, and thanks to Will and everyone at Serenity for dealing so well with my insurance .”

Occupational Health Services (OHS) has provided alcohol and drug counseling services in the State of California to DUI offenders for over 30 years. OHS has offices located in the Bay Area, Central Valley and San Diego County, which offer a variety of services to ensure relevant programs and services are available for the community.

OHS, a division of MHN, is committed to providing the highest quality of counseling and educational services to those who have been convicted of violating DUI laws. OHS collaborates with the criminal justice system and is licensed by the California State Department of Alcohol and Drugs. OHS’s experience and innovation have placed us at the forefront of DUI programs. We serve participants from diverse social, economic and ethnic backgrounds and offer services in English and Spanish.

OHS has developed its own educational curriculum, exceeding the state requirements, using pre- and post-tests and surveys for the development of effective educational tools. Our well-trained staff evaluates and provides referral services for alcohol or drug-dependent participants. All counselors are registered or certified by the state, and are well-versed in the California Code of Regulations, Title 9, which governs all California DUI programs.

OHS is a board member of CADDTP, the California Association of Drinking Driver Treatment Programs. We work closely with the criminal justice system, including judges, adult probation, state parole, the State DUI Advisory Board and other referring agencies, such as the Department of Motor Vehicles. We maintain an extensive list of referral resources and collaborate with other organizations to facilitate a positive outcome for our program participants.

Every participant must provide either a current court referral, an admin per se letter from the arresting agency or a current H-6 (life history) DMV printout. Upon receipt of a court referral, the referral is tracked in a computerized database to ensure accurate enrollment or failure to enroll.

In order to fulfill the court and/or DMV requirements, participants must complete all of the requirements of their referred program.

OHS’s Licensed DUI Programs include:

• 12-Hour Education Only
• 3, 6, and 9-month First Offender
• 12-month First or Multiple Offender (prior to 1990)
• 18-month Multiple Offender
• 30-month Multiple Offender – Stanislaus County Only

OHS also offers:

• Anger Management Programs
• Survival To Adulthood Referral Program (STAR) (San Diego)
• Chemical Dependency Intensive Out Patient (Modesto, Oakland)
• Drug Diversion Tier II PC1000 (Modesto)
• Comprehensive Alcohol & Drug Assessments

Contact an OHS office near you:

 
Occupational Health Services website.
 

Cheap Auto Insurance Shopping Tips

If you are currently shopping for Cheap Auto Insurance, you have to take a number of factors into consideration.

Some of the automobile insurance buying criteria include the deductible, the liability limit, the types of coverage, and the service record and history of the insuring company.

One of the biggest mistakes auto insurance shoppers make is to believe that all auto insurance policies are the same and that they can shop for cheap insurance strictly based on the price. Insurance coverage is not a commodity. It is as individualized as your car, your family, your driving record and where you live and work.

Auto insurance policies are complicated legal contracts and the language is far from simple. Shopping for auto insurance based solely on price and shopping for cheap auto insurance one company at a time can be a tedious time consuming process.

A better approach would be to use an insurance broker who will shop a variety of companies for you.

Serenity Insurance Group can provide you with great quotes for cheap auto insurance because they shop 16 different insurance companies and take your special needs and requirements into account during the shopping process. To get the best value when purchasing automobile insurance you need to either do a lot of research, fill out a lot of online forms, make a lot of phone calls, give your personal information to dozens of different companies or … You can fill out one form or make one phone call and let Serenity Insurance Group find you the quote you need to get cheap auto insurance today.

Liability Coverage:

Liability coverage protects you if you get into an accident and are at fault. Most insurance companies will write liability coverage up to at least $500,000. Buying an umbrella liability policy can add one million, two million, three million dollars or more to your liability coverage. Buy as high a liability limit as you can afford.

Uninsured Motorist Coverage:

Uninsured Motorist Coverage protects you if you are involved in an accident with a motorist who has no insurance or a driver with very low limits of liability insurance coverage. Supplemental Uninsured Motorist liability for damages the other driver should have hadto pay.

Deductibles:

Higher deductible limits on your collision and comprehensive auto insurance coverage can reduce the price of your overall premium.

Older vehicles:

Consider dropping collision and comprehensive auto insurance (physical damage) coverage on older vehicles.

Your agent should be well known in the industry and should give you the service you need. Your questions about coverage under different scenarios should be answered and recommendations for your situation should be made.

Serenity can provide affordable car insurance quotes for both preferred drivers and high risk drivers because of the experience we have gained by serving insurance clients for the past 14 years in 47 states.

Whether you are a preferred driver looking for cheap auto insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Serenity wants to quote your insurance needs and prove that we can beat the rates and service of the national insurance carriers.

For Cheap Car Insurance call (800) 546-5470

For SR22 Insurance call (800) 774-0520

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.

Fill Out our Quick Quote Auto Insurance Form Here:  Cheap Insurance

Read more articles here:  Serenity Blog

Save on Car Insurance

July 2008 (Medialink) -

ANCHOR LEAD: Motorists might decide to drive less just to save money at the pump. But now vehicle owners who spend less time behind the wheel can see real savings on their insurance bill too. T.K. Anderson has more. (:60)

SCRIPT: Consumer Focus, I’m T.K. Anderson. U.S. drivers average between 15 and 20-thousand miles a year. But for anyone whose vehicle spends more time in the driveway than that, significant savings are available. John O’Donnell with GMAC Insurance says a new low mileage discount is now available for vehicles equipped with GM’s OnStar system.

CUT: (O’Donnell) Customers who drive less should pay less, and this program allows customers to use the OnStar technology already in their vehicles to give them the discounts that they deserve.

SCRIPT: OnStar’s Tony DiSalle says the Low-Mileage Discount program is another example of how OnStar adds value to drivers in GM vehicles.

CUT: (DiSalle) Using the technology behind OnStar Vehicle Diagnostics allows us to provide a unique money-saving benefit to OnStar subscribers who drive less. In addition to the safety, security and convenience services that we offer, we’re helping subscribers reduce their transportation costs.

SCRIPT: OnStar subscribers must opt-in to be eligible for this program. For more information, log onto onstar.com. That’s Consumer Focus from GM. I’m T.K. Anderson.

Produced for General Motors