Cheap SR22 Insurance in TX

TX SR22 Requirements
The State of Texas prohibits the operation of a vehicle by drivers with a blood alcohol concentration (BAC) of .08% or higher. There are lower limits in place for commercial drivers of .04% and for drivers under the age of 21 of .02% BAC.

Or, for any other reason that a judge deems it necessary for you to prove to the state that you are financially responsible.

Penalties for a first drunk driving conviction are:

• 72 hours to 180 days in jail
• Jail of from 180 days to 2 years if a child under the age of 15 is in the vehicle
• Fines up to $2,000.00
• Fines up to $10,000.00 if a child under the age of 15 is in the vehicle
• License suspension from 90 to 365 days
• DWI Surcharge – $1,000.00 per year for 3 years
• DWI Surcharge – $2,000.00 per year for 3 years if BAC is .16 or above

In the State of Texas the implied consent law means that any person who receives a driver’s license automatically consents to a chemical test of their blood, breath or urine to determine BAC or the presence of drugs. If you refuse a chemical test your driver’s license will be confiscated and during your hearing the court may rule to suspend your license.

The minimum insurance coverage for private passenger vehicles per the Texas Department of Insurance is as follows:

• $25,000 for bodily injury liability to one person
• $50,000 for bodily injury liability to more than one person
• $25,000 for property damage liability

When you have established financial responsibility through an automobile insurance policy, your insurance company will report that information to the State of Texas.

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice. Insurance requirements in Texas are subject to change. Visit the Texas Department of Insurance at http://www.tdi.state.tx.us/ for current information.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Economic Downturn Causes Drivers to Drop Insurance

The current economic downturn is possibly responsible for car owners canceling their car insurance coverage due to other commitments in their personal budget. It is estimated that the national average for uninsured drivers is almost 14%. That means that out of every 7 cars on the road 1 is not insured. You are more likely than ever to be involved with an uninsured driver during an accident than just a few years ago. In some states the number of uninsured drivers is higher than the national average, approaching 20% or 1 out of every 5 drivers.

When owners drive their cars without insurance, the owners who do have insurance carry the financial burden if there is an accident even if they are not at fault.  Most owners carry additional insurance called “Uninsured Motorist/Underinsured Motorist” coverage for this very reason.

Uninsured Motorist Coverage can be purchased to cover your bodily injury as well as property damage to your car. The coverage is relatively inexpensive, costing about 5% of the overall insurance policy.

If you don’t have Uninsured Motorist Coverage, call your agent or broker and get a quote. You’ll be pleasantly surprised at the cost compared to the relief you’ll have by having the insurance.

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Are you getting car insurance for the first time or have an insurance requirement for SR-22 filing? Serenity Insurance can help – we offer auto insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Cheap SR22 Insurance in OH

OH SR22 Requirements
It is against the law in the state of Ohio for a driver to operate a vehicle with a blood alcohol concentration (BAC) of .08 or higher. In Ohio a DUI is called Operating a Vehicle Intoxicated (OVI). The OVI law in Ohio includes alcohol, or drugs or both.

Penalties for a first time OVI offense in the state of Ohio are as follows:

• 72 hours to 6 months in jail, or a Driver Intervention Program for 3 days
• 6 days in jail if the BAC is .17 or above
• License suspension for 90 days up to 3 years
• A reinstatement fee of $450
• Fines from $250 to $1000
• A special form, SR-22, may be required from the BMV to be filed with the insurance policy

The SR-22 in Ohio is required for a minimum of 36 consecutive months. The judge will determine the period during sentencing based on the severity of the crime. As an example, if your driver’s license is suspended for five years due to a DUI or some other serious violation, then the judge can require you to carry the SR-22 for five years as well.

Failure to keep your car insurance policy active when you have an SR-22 is a serious problem. If your policy has a lapse in coverage due to failure to make the payment, or for any other reason, will cause the SR-22 filing period to start over from the beginning. This could mean a minimum of another three years having the SR-22 filed with your insurance policy.

An SR-22 shows the Bureau of Motor Vehicles (BMV) that you have at least the state minimum coverage for liability insurance. Most insurance companies file the SR22 with the BMV electronically.

The minimum required liability insurance coverage is as follows:

• $12,500 for Bodily Injury Liability per person injured in one accident
• $25,000 for Bodily Injury Liability for all persons in one accident
• $ 7,500 for Property Damage Liability for destruction of property

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the state of Ohio are subject to change.  Visit the Ohio Department of Insurance at http://www.insurance.ohio.gov/ or the Ohio Bureau of Motor Vehicles at http://www.bmv.ohio.gov/ for current information.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Serenity Insurance Agent Provides Huge Help to NY Car Insurance Customer

“Love Shannon!  I’m recommending her to all my friends.  She was great and a huge help.  I’m thrilled that she is my insurance agent.  She assisted me with empathy and I really needed that when I was looking for insurance.  She explained everything to me very clearly and got my policy active in less than an hour.  She was very professional!”

Thank you,

Jami
NY Auto Insurance Customer

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Jami needed a New York car insurance policy and had not had good luck with previous agencies she had spoken with. She was very relieved when she got Shannon on the phone and Shannon took the time to listen to her needs.

Are you getting car insurance for the first time or have an insurance requirement for SR-22 filing? Serenity Insurance can help – we offer affordable auto insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Cheap SR22 Insurance in WA

WA SR22 Requirements
It is unlawful in the State of Washington for a driver to operate a vehicle with a blood alcohol concentration (BAC) of .08 or higher. In addition, the BAC level for a commercial driver is .04 and for drivers who are under the age of 21 it is .02.

Penalties for a first time DUI offense in the State of Washington are as follows:

• 24 hours to 12 months in jail
• The courts may allow a 15-day minimum home electronic monitoring program in lieu of jail time which is paid for by the driver
• License suspension for 90 days
• A fine of no less than $865 or up to $5,000
• An ignition interlock device can be ordered
• A special form, SR-22, may be required from the Department of Licensing to be filed with the insurance policy

All drivers in the State of Washington are required to have liability insurance coverage with at least the following limits:

• $25,000 for an injury to another person
• $50,000 for injuries to all other persons in the accident
• $10,000 for property damage

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the state of Washington are subject to change.  Visit the Washington State Office of the Insurance Commissioner at http://www.insurance.wa.gov/ for current information.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Salvaged Vehicles Can Now be Insured in OK

The Reconditioned Vehicle Program (RVP) is now available in Oklahoma. RVP is a tool that verifies the vehicle history, identifies salvaged titles, identifies lemons, checks for odometer tampering and damage by fire, water, collision or other issues.

Unitrin Specialty will validate the vehicle history report records in the following essential areas:

1. Title Check – salvaged titles, rebuilt titles, fire damage titles and flood damaged titles
2. Odometer Check – odometer rollback, broken odometer, odometer exceeding the limit, odometer suspect miles
3. Problem Check – frame damage, lemon car, salvage auction, water damage
4. Vehicle Use and Event Check – major auto accidents, auto theft, police or taxi use, fleet cars

Obtaining physical damage coverage for a salvaged vehicle used to be very difficult, if not impossible to find. Now Unitrin Specialty makes this coverage available to a marketplace that was previously under-served. If you have a salvaged vehicle, call an independent insurance agent like Serenity Insurance who writes policies with Unitrin and get your salvaged vehicle covered.

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The Unitrin family of insurance companies serves clients in markets across the United States. More than 6 million policyholders have their basic insurance and financial needs met by a nationwide network of career agents and independent agents and brokers. As one of America’s leading financial services providers, the Unitrin family specializes in property, casualty, life health and accident insurance.

Are you getting car insurance for the first time or have an insurance requirement for SR-22 filing? Serenity Insurance can help – we offer auto insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

MO Auto Insurance Customer Saves Even More Money

“I called up Kevin to get insurance and he was such a great help! I appreciate the time he spent explaining to me how the process worked. I even got confused for a second and Kevin explained to me what the difference was and ended up saving even more money than I thought I was going to. I just wanted to let you know that he is a great agent and I looking forward to working with him in the future.”

Thank you,

Andrew
MO auto insurance customer

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Andrew needed a Missouri car insurance policy and was looking for a great rate. Kevin was able to get Andrew an auto insurance policy that saved him more money than he expected.

Are you getting car insurance for the first time or have an insurance requirement for SR-22 filing? Serenity Insurance can help – we offer auto insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Cheap SR22 Insurance in FL

FL SR22 Requirements
The drunk driving laws in the State of Florida prohibits a driver to operate a vehicle with a blood alcohol level (BAL) of .08 or higher. In addition, the BAL level for a commercial driver is .04 and for drivers who are under the age of 21 it is .02.

Penalties for a first time DUI offense in the State of Florida are as follows:

• 6 months maximum in jail for BAL of .08 but less than .15
• 9 months maximum in jail for BAL above .15
• A fine of from $500 to $1000 for BAL of .08 to .15
• A fine of from $1000 to $2000 for BAL above .15 or if there is a minor in car
• License suspension from 180 days to 1 year
• For a Hardship Reinstatement of the license, the driver must complete DUI School prior to applying for the hardship
• An ignition interlock device may be required
• A Community Service Fine of $10 for each hour of community service required
• Community Service of 50 hours
• A Treatment Program may be allowed in lieu of imprisonment
• Vehicle impoundment of 10 days

Florida will require the driver to have an SR22 filed with the state as proof of a liability policy in order to get the license reinstated after the license has been suspended or revoked. Once filed, the SR22 and the liability insurance must continue to be active. If the driver cancels the insurance policy, and therefore the SR22, for any reason the State of Florida Department of Highway Safety and Motor Vehicles will be notified. Drivers are required to carry the SR22 auto insurance documentation for up to 3 consecutive years.

If a driver is convicted of a DUI offense after October 1, 2007, then the driver is required to provide proof of bodily injury liability insurance as follows:

• $100.000 per person
• $300,000 per occurrence
• $50,000 property damage liability

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the state of Florida are subject to change.  Visit the Florida Department of Highway Safety and Motor Vehicles at http://www.flhsmv.gov/ for current information.

Have you had a DUI or other driving offense that required SR22 and/or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Women can get Cheap Car Insurance

It is a not a rumor that women can get cheaper car insurance than their male counter-parts. Women are usually better drivers, therefore they don’t submit as many claims, and they tend to not drive as reckless as a man.

Women should shop around a while when looking for insurance. Men usually do not like to shop and will settle for the first or second insurance policy quoted. If women spend a little more time shopping, they will be rewarded with a cheaper policy. Several factors will help women obtain a less expensive insurance policy –

1. Women tend to drive less sporty vehicles, and rarely drive pickups. Compact four-door cars, small SUVs and vans are usually the choice of women drivers. These vehicles are generally less expensive to insure than sports cars and trucks. Therefore these vehicles could qualify for a Safe Vehicle Discount.
2. The driving record has a lot to do with the rate given for a car insurance policy. Since women get less tickets, and have less accidents, their motor vehicle record (MVR) will have less points on it and thus the rate they get for their coverage will be less. Having a clean MVR could qualify for a Good Driver Discount.
3. Some insurance companies give discounts for your credit score, for being a non-smoker, for your education level, etc.

Use the Internet to check for car/auto insurance brokers rather than going directly to an agent of a particular car insurance company that does not sell policies for other companies. Insurance brokers like Serenity Insurance work with multiple car insurance companies and can do the comparison shopping for you.

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Are you getting car insurance for the first time or have an insurance requirement for SR-22 filing? Serenity Insurance can help – we offer affordable auto insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Cheap SR22 Insurance in IA

IA SR22 Requirements
In the State of Iowa it is against the law for a driver to operate a vehicle with a blood alcohol concentration (BAC) of .08 or higher. There are stricter laws for drivers of commercial vehicles (.04) and also for drivers under the age of 21 (.02).

In Iowa driving under the influence is called Operating Under the Influence (OWI). All OWI convictions in the state of Iowa carry jail time, license suspension and court ordered substance abuse treatment. The list of penalties for a first time DUI in Iowa is as follows:

• Jail for 48 hours minimum, up to 1 year
• A fine from $625 to $1,250
• License suspension for 90 to 180 days
• A restricted license is possible after 30 days
• Ignition interlock device may be required if BAC is above .10
• May have to attend a Drinking Drivers Course
• Community service time is possible
• Alcohol evaluation and treatment may be ordered

The minimum required liability insurance coverage is as follows:

• $20,000 for Bodily Injury Liability per person
• $40,000 for Bodily Injury Liability for all persons per accident
• $15,000 for Property Damage coverage caused in an at-fault accident

All drivers must show proof of liability insurance to any law enforcement officer or any other sanctioned officers of the state if requested.

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the state of Iowa are subject to change.  Visit the Iowa Insurance Division at http://www.iid.state.ia.us/index.asp or the Iowa Department of Transportation at http://www.iowadot.gov/mvd/ods/financial.htm for current information.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.