Cheap SR22 Insurance in TN

TN SR22 Requirements
It is illegal in the State of Tennessee to drive a vehicle if the driver has a blood alcohol concentration (BAC) of .08 or higher. There are stricter laws for drivers of commercial vehicles (.04) and a .02 for drivers under the age of 21. The Tennessee DUI law also prohibits driving under the influence of other intoxicants such as inhalants, marijuana, amphetamines and other intoxicants.

Tennessee has an implied consent law which means that you have given your consent to be tested to determine the alcohol or drug content of your blood if stopped by an officer and he suspects that you are under the influence. First refusal to submit to the test will result in your driver’s license being revoked for a period of 1 year.

The penalties for a first time Tennessee DUI offense are as follows:

• Fine of $350 to $1,500
• Jail for a minimum of 48 hours or up to 11 months
• License suspension for 1 year
• An ignition interlock device is required if:
  - The BAC is above .15
  - A passenger under the age of 18 is in the vehicle
  - Implied Consent/Test is refused

Other possible penalties include:

• Litter pick-up for three 8-hour shifts
• Penalties for child endangerment if the passenger is under 18
• Attend an Alcohol Safety DUI School Program

The SR-22 is a proof of financial responsibility and can be required for a total of 5 years from the date of your suspension. If the SR22 is filed for a total of 3 years within the 5-year period, the DOS can cancel the SR22 provided it is not required for any other suspension. The SR22 is required for a period of 3 years for a drunk driving conviction. If the SR22 is cancelled before the required time, your driving privileges will be suspended.

The minimum requirement liability insurance coverage for the State of Tennessee is as follows:

• $25,000 for Bodily Injury Liability per person injured in an accident
• $50,000 for Bodily Injury Liability for all bodily injuries in one accident
• $15,000 for Property Damage Liability in one accident

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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 Tennessee are subject to change.  Visit the Tennessee Department of Commerce and Insurance at  http://www.tn.gov/commerce/index.shtml  or the Tennessee Department of Revenue/Vehicles at http://tennessee.gov/revenue/vehicle/ 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.

Cheap SR22 Insurance in ID

ID SR22 Requirements
The State of Idaho has a drunk driving law that prohibits 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 and also for drivers under the age of 21.

In Idaho the first conviction for a DUI is a misdemeanor and you can be sentenced to jail for no longer than 6 months. The state can also fine you up to $1,000, your driver’s license will be suspended for a minimum of 30 days and the judge can extend the suspension period longer. The list of penalties for a first time DUI in Idaho is as follows:

• Up to 6 months in jail
• Up to $1,000 fine
• License suspension for 90 to 180 days
• A restricted license is possible after 30 days
• Alcohol evaluation and treatment may be ordered

If your license is suspended for a DUI in Idaho, you will have to apply for a reinstatement with the Idaho Transportation Department. If your license was suspended for a DUI, you will be required to obtain proof of financial responsibility. Proof of financial responsibility is provided by an SR-22 filing with your liability insurance and is required for 3 years following the reinstatement of your driver’s license. An SR-22 shows the Transportation Department that you have at least the state minimum coverage for liability insurance.

The minimum required liability insurance coverage is as follows:

• $25,000 for Bodily Injury Liability for injury or death of one person
• $50,000 for Bodily Injury Liability for injury or death of two or more persons
• $15,000 for Property Damage Liability for damage to property

Law enforcement officers can ask you for proof of insurance at any time if they stop you for a traffic violation or a safety check.

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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 Idaho are subject to change. Visit the Idaho Department of Insurance at http://www.doi.idaho.gov/ or the Idaho Transportation Department at http://itd.idaho.gov/dmv/ 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.

MADD awards 5 Star Ratings for Ignition Interlock Device Laws

Mothers Against Drunk Driving (MADD) has awarded their 5 Star Rating Award to the states of Illinois, Kansas, Arizona, Utah and Nebraska.

The 5 Star Rating is based on laws requiring ignition interlock devices for all convicted drunk drivers, for operating sobriety checkpoints, for escalating penalties for driving under the influence with children in the vehicle, for using “no refusal” methods of apprehending suspected drunk drivers and for revoking the driver’s license through administrative processes.

Ignition interlock devices, which measure the amount of alcohol in the driver’s breath, will not allow a driver to even start his car if the device detects an unlawful amount of alcohol in the breath. In the state of Illinois for example, there are over 12,000 ignition interlock devices in use, and officials in the state attribute the decrease in the number of alcohol related traffic deaths over the past two years to this device.

Ignition interlock devices do not cost the state taxpayers anything because the offender must pay the installation and monthly fees for the interlock device. This additional cost is also seen by the state as a deterrent for future drunk driving.

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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.

Cheap SR22 Insurance in SC

SC SR22 Requirements
It is against the law in South Carolina to operate a vehicle if the driver has a blood alcohol concentration (BAC) of .08 or higher. The limits are lower for drivers under the age of 21 and commercial drivers. In addition to alcohol, it is also against the law to drive under the influence of controlled substances such as cocaine, marijuana, and any other intoxicants.

South Carolina has an implied consent law that means that you agree to submit to a chemical test of your breath, urine or blood if you have been stopped by a law enforcement officer and he suspects that you are driving while under the influence of drugs or alcohol. If a driver refuses to submit to this test, the driver’s license will immediately be suspended for at least 90 days.

Multiple convictions for DUI may result in a court ordered installation of an ignition interlock device. This device would be installed on the vehicle of the convicted driver and at his expense.

DUI fines and penalties vary according to the blood alcohol content (BAC) of the driver when he’s arrested:

• with a BAC under .10
  - license suspension of 6 months
  - fine of $400
  - jail time minimum of 48 hours to a maximum of 30 days, or
  - 48 hours of public service
• with a BAC of .10 and under .16
  - license suspension 6 months
  - fine of $500
  - jail time minimum of 72 hours to a maximum of 30 days, or
  - 72 hours of public service
• With a BAC above .16
  - license suspension of 6 months
  - fine of $1,000
  - jail time minimum of 30 days to a maximum of 90 days, or
  - 30 days of public service

In addition to filing the SR 22, a reinstatement fee of $100.00 must be paid and the driver must complete a certified Alcohol and Drug Safety Action Program (ADSAP). The enrollment in ADSAP must be on file with the DMV before the driving privileges can be restored.

The minimum insurance coverage required is as follows:

• $25,000 for bodily injury for each person
• $50,000 for bodily injury for all persons in an accident
• $25,00 for property damage
• Uninsured/Underinsured motorist bodily injury of $25,000/$50,000
• Uninsured/Underinsured motorist property damage of $25,000

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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 South Carolina are subject to change.  If you have questions or want more information visit the South Carolina Department of Insurance at http://doi.sc.gov/Pages/default.aspx  or the South Carolina Department of Motor Vehicles at  http://www.scdmvonline.com/DMVNew/default.aspx.

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.

Cheap SR22 Insurance in IN

IN SR22/SR50 Requirements
Some traffic violations, including DUI, may cause the BMV to have you file an SR22 form to show proof of financial responsibility. Drivers who are required to file an SR22 must maintain financial responsibility for 3 years. If financial responsibility is being maintained by having a liability insurance policy, then that policy must be in force for 3 years. If the policy lapses financial responsibility also lapses, and your driver’s license will be suspended.

If your driver’s license is suspended for any reason, the BMV will require you to file an SR50 to show proof of current insurance on your vehicle. The SR50 is used to reinstate your driver’s license after suspension and after paying the reinstatement fee. The SR50 is completed by your insurance company and sent back to the BMV.

The State of Indiana prohibits 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, BAC of .04, and also for drivers under the age of 21 the BAC limit is .02. A conviction for a DUI in Indiana is a Class C misdemeanor for a first time offense. First time DUI offenses can cost the driver up to $5,000 in addition to other penalties and costs.

In Indiana penalties for a first time DUI are as follows:

• 30 days minimum up to 60 days in jail
• If the BAC is .15 or higher, jail time can be up to 1 year
• Up to $300 fine
• Up to $5,000 fine if the BAC is .15 or higher
• License suspension for 6 months up to 2 years
• Court fee of $300 or more
• 2 years probation

Other possible penalties include:

• Ignition interlock device at driver’s expense
• Community service time
• Substance abuse education
• Attend a victim impact panel
• Submit to further urine testing

Indiana has an implied consent law which means that you have given your consent to be tested to determine the alcohol or drug content of your blood, breath or urine if stopped by an officer and he suspects that you are under the influence. First refusal to submit to the test will result in your driver’s license being suspended for a period of 1 year.

The minimum required liability insurance coverage is as follows:

• $25,000 for Bodily Injury Liability per injured person
• $50,000 for Bodily Injury Liability per accident
• $10,000 for Property Damage Liability for damage to property

In addition the insurance liability policy must include coverage for uninsured and underinsured motorist coverage unless the policyholder rejects this coverage in writing. The minimum limits for uninsured/underinsured motorist coverage is:

• Uninsured Motorists Bodily Injury of $25,000/$50,000
• Uninsured Motorists Property Damage Liability of $10,000
• Underinsured Motorists Bodily Injury of $50,000 if UM is selected

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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 Indiana are subject to change.  Visit the Indiana Department of Insurance at  http://www.in.gov/idoi/ or the Indiana Bureau of Motor Vehicles at http://www.in.gov/bmv/  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.

Lower Liability Limits in Wisconsin

The Wisconsin state legislature recently passed new legislation which lowers the state minimum liability insurance coverage. The new law was signed by the Governor and went into effect on November 1, 2011. The new bill reverses the changes made in 2009 which raised the minimum coverage required and was fairly costly to insurance customers. The lower coverage requirements will take effect on all new business written after November 1, 2011 or on policies which renew after November 1, 2011.

Wisconsin car insurance customers should expect to receive a letter in the mail from their insurance company or insurance agent detailing the changes made by the legislature. Insured’s will receive a notification up to 60 days prior to their policy renewing.

Under the new law the insured has 3 options:

1. Keep their current limits as is. No action is required.
2. Revise their limits and coverage at their next renewal after November 1, 2011, or mid-term after their policy renewal after November 1, 2011.
3. Rewrite their policy if lower limits are desired prior to their renewal date after November 1, 2011. This will require a new application and down-payment.

Check with your insurance company or insurance agent for further information about this change.

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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 UT

UT SR22 Requirements
The State of Utah has a drunk driving law that prohibits a driver from operating a vehicle with a blood alcohol concentration (BAC) of .08 or higher. Utah has lower BAC limits (.04) for drivers of commercial vehicles and a zero tolerance law for drivers under the age of 21. The DUI law for Utah also prohibits the driver to operate a vehicle if under the influence of other controlled substances such as marijuana, cocaine, inhalants and other intoxicants.

In Utah the first conviction for a DUI carries the following penalties:

• 48 hours minimum in jail or 48 hours in a Work Service Program
• Home confinement
• A minimum $700 fine
• A suspension of your license for 120 days

Other possible penalties include the following:

• Home confinement through the use of electronic monitoring
• Participation in an Alcohol/Drug Screening process
• Alcohol/Drug Assessment participation
• Substance abuse education
• Participation in substance abuse treatment

Subsequent DUI convictions cause the penalties to increase up to a fine of $1,500.00, jail time of 1,500 hours, license suspension of 2 years, and the installation of an ignition control device.

Utah has an implied consent law which means that you have given your consent to be tested to determine the alcohol or drug content of your blood, breath or urine if stopped by an officer and he suspects that you are under the influence of alcohol or drugs even if the drugs are prescription. Refusal to submit to the test will result in your driver’s license being suspended for a period of 18 months for the first offense and up to 2 years for subsequent refusals.

The minimum required insurance coverage is as follows:

• $25,000 for Bodily Injury Liability per person
• $65,000 for Bodily Injury Liability per accident
• $15,000 for Property Damage Liability for damage to property
• $3,000 for Personal Injury Protection (medical payment coverage)

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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 Utah are subject to change.  Visit the Utah Insurance Department at http://www.insurance.utah.gov/ or the Utah Division of Motor Vehicles at http://dmv.utah.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.

Insurance Coverage for Less Expensive Cars

The least expensive cars to insure are generally four-door sedans and mini-vans. However some entry–level sedans like Toyotas and Hondas might not fit that description because they are purchased by the younger drivers with less experience and that factors into their insurance rates.

Mini-vans, small SUV’s and sedans manufactured by American and Japanese car companies are usually the least expensive to insure. A Chrysler Town & Country mini-van costs an average of about $1,000.00 to $1,200.00 per year to insure. A small Toyota SUV is around $1,100.00 to $1,300.00 per year to insure.

Insurance rates vary by state of course and depending on where you live will make a difference on your insurance. For example, the states of Michigan, Oklahoma and Louisiana are the top three states with the most expensive insurance rates. However the mini-van and small SUV will still be the most desirable automobiles in these states if you’re looking for cheaper insurance.

Be sure to get an insurance quote from your agent or broker when considering the purchase of a different vehicle. The price of the insurance may help you with the decision.

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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 DE

DE SR22 Requirements
In Delaware you can be arrested for driving under the influence (DUI) if you are driving, operating, or in actual physical control of a vehicle (including motorcycles), an off-road vehicle, or a moped while under the influence of alcohol or drugs. The state of Delaware does not require the filing of an SR22 for DUI offenses in Delaware. However if you have an SR-22 filing in another state, and then move to Delaware, you must maintain your SR22 in the state where it is required.

In the state of Delaware it is illegal to drive a vehicle with a blood alcohol concentration (BAC) of .08 or higher, or to have the presence of any drug, prescription or illegal if it is sufficient for a DUI conviction. You may be arrested for a DUI with a chemical test greater than .05%. At the time of a DUI arrest, a police officer will take your Delaware driver’s license and issue a 15-day temporary license. A DUI sentence is carried on your motor vehicle driving record for a minimum of 5 years. Penalties for a first-time DUI in Delaware are as follows:

• Up to a maximum of 6 months in jail
• A fine from $500 to $1,500
• License suspension for 12 months if the BAC is .08 but less than .15
• License suspension for 18 months if the BAC is .15 to less than .19
• License suspension for 24 months if the BAC is higher than .20
• An ignition interlock device is possible
• Complete Courses of Instruction or other programs

Additional convictions for DUI cause the penalties to increase. For example, for a seventh drunk driving conviction, the offense is classified as a Class C felony which carries a fine of not less than $10,000 and imprisonment of not less than 10 years.

If you are convicted for your first DUI in Delaware you may choose to enroll in the first-offender program. Enrollment in this program requires that you do not have any previous DUI convictions on your driving record. This program allows the convicted driver to apply for an Ignition Interlock Device license. The driver must remain on the program for a minimum of 5 months from the date of receiving the interlock device.

Delaware has an implied consent law which means that you have given your consent to submit to a chemical test of your blood, breath or urine if stopped by a law enforcement officer and he suspects that you are driving impaired. If you refuse a field sobriety test, the officer may attempt to take reasonable steps to conduct the test without your consent. Your driver’s license will be automatically revoked for refusing to take the field sobriety test.

The minimum required insurance coverage is as follows:

• $15,000 for Bodily Injury Liability for injury of one person
• $30,000 for Bodily Injury Liability for all persons in an accident
• $10,000 for Property Damage Liability for property damage
• $15,000 for Personal Injury Protection per person per accident
• $30,000 for Personal Injury Protection for all people involved in an accident

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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 Delaware are subject to change.  Visit the Delaware Insurance Department at http://www.delawareinsurance.gov/ or the Delaware Division of Motor Vehicles at http://www.dmv.de.gov/ for current information.

Have you had a DUI 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.

From a California insurance customer -

Kevin was great! He was friendly, quick and efficient. I’d recommend him to a friend anytime.

Thank you Kevin,

Sarah
CA car insurance customer

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Sarah was looking for a good but inexpensive California car insurance policy and was very pleased with the policy that Kevin was able to write for her.

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.