Florida Car Insurance Customer Appreciates Outstanding Job

Lisa did an outstanding job for me today, she went over and beyond! She was very respectful and handled everything in a timely manner.

Thank you,

Chad
FL SR22 insurance customer

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Chad needed a Florida car insurance policy with an SR22 filing. Lisa got him everything he needed so he could go to the DMV next week to get his driver’s license back.

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.

Warren from Colorado sent –

“Thank you for all the years of good service! I would recommend your agency to anyone!

Sincerely,

Warren
CO SR22 insurance customer

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Warren had a Colorado car insurance policy with an SR22 filing and just felt he had to say something about the good service he’s enjoyed over the years.

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 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.

Neilson from Illinois sent the following note about his experience working with us:

Thank you again Shannon!  This is a blessing, no more headaches about the insurance situation. You were very polite, intelligent, professional and considerate about my situation.  I cannot thank you enough!  Bless you!!

Neilson
IL SR22 insurance customer

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Neilson needed an Illinois car insurance policy with an SR22 filing and had not had good luck with some of the other agencies he had spoken with. He was very relieved after speaking with Shannon at Serenity and a large load had been lifted off of him.

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.

Stricter DUI Law in OK Goes into Effect

A tougher DUI law has gone into effect in the state of Oklahoma. Anyone who blows a .15 BAC on their first DUI must have an ignition interlock device installed in their vehicle for 18 months. For a second offense they will have to have the interlock device installed for 4 years if they blow a .08 or higher.

An interlock device measures the amount of alcohol in the driver’s breath. The driver has to blow into the device before he can start the car, and then periodically while driving. State governments are hoping that this additional measure will deter drivers from driving after drinking. The devices are expensive and must be paid for by the offender.

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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.

Hi Karen,

Thank you very much for the smooth process. Just signed everything. You really calmed my nerves, so thank you for your patience.

Lisa
SC SR22 insurance customer

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Lisa needed a South Carolina car insurance policy with an SR22 filing and was very nervous about the whole process.  Karen helped calm her down and got her a great price for her policy and took care of the SR22 filing as well.

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.

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.

A DUI Will Hurt You in the Wallet

Getting a DUI is embarrassing, is a hassle due to all the hoops you have to jump through and it impacts your freedom to drive for a period of time. It can also be very expensive!

This article will deal with just some of the most obvious costs associated with a DUI. Let’s start with the first financial impact following the arrest for a DUI. Most states will send a DUI offender to jail for at least 24 hours. In order to be released you’ll have to get a bail-bondsman to submit the assigned bail to the court. The cost of bail varies with the city and state but can run from $100 to as high as $2,000. Let’s be conservative and say the average is $450.00.

You’ll probably need an attorney to go before the court on your behalf to plead the DUI. If you plead guilty, the cost for the attorney might be between $200 and $400. If you plead not guilty, then the sky is the limit for the attorney cost. For the sake of this article, let’s say the average is $300 for the attorney’s time.

In most states your vehicle will be towed to a storage yard following your arrest. Cost for towing can vary from $100 to over $1,000 in some cities. Storage can run from $50 to over $200 per day, so in order to retrieve your car once released, it could cost you an average of $500.00 for towing and storage costs.

If you are insured with a preferred insurance company, it is likely that they will drop you once they find out you’ve had a DUI. Now you’ll need to find an insurance company that will write you a policy and perhaps have to file an SR22 for you. Those rates can double or even triple what you were used to paying. Also, the DUI will stay on your record for a minimum of 3 years so you’ll be paying higher rates for the 3-year period. Let’s say the average is $4,000 additional dollars for the 3-year period.

The average costs for these items is over $5,000!

We haven’t even talked about probable costs for alcohol treatment classes that might be required by the court, or any additional fines that the court might impose on you due to the DUI. There might be an additional $1,000-$2,000 involved if these are required as well.

Needles to say, your wallet has been impacted to the tune of over $5,000 and your life impacted as well.

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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 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.

Donald from Florida sent, “Shannon helped me greatly and always does by finding the best deals on car insurance. I will always contact her/Serenity when I have an insurance need.”

Thanks, Donald
FL auto insurance customer

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Donald was shopping for a cheap Florida car insurance policy and was pleased with the quote that Shannon provided for him. He purchased the policy and he said he would recommend Serenity to all his friends.

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.