The Cost for first offender for DUI

The moment you drink and drive, you better start thinking about how much it will cost you. For instance, if you get pull over by a police officer and get arrested for DUI. The bail can cost between $150 to $2500 dollars and that is the start. Because you have been arrested for DUI and would have your car towed. Now you have to pay for the towing company as much as $1200 and for some reason you can not pay the towing company to get your car. The city has the permission to auction your car and the city keeps all the money from your car.

Lastly, you insurance premium will jump. Your car insurance company has all computer record with the police department and the car insurance company will know if someone got a ticket or been arrested for DUI. Once your car insurance company finds out about the DUI, you will have to pay higher premium and in some cases, your car insurance premium may triple. Your car insurance company may even drop you completely. When that happen you would have to go somewhere else and pay even higher premium just because you got arrested for drinking and driving.

How To Get Cheap Teen Auto Insurance

Purchasing auto insurance for your teenage can burn a big hole in your wallet. The reason for the higher cost for teen auto insurance coverage is because teenagers belong to a higher risk group of drivers. That is why your teenage son or daughter will have to pay more for their auto insurance premium. Auto insurance statistics have shown that teenage drivers are 8 times more likely to be involved in an auto accident than older drivers in the ages between 30-60.

If you have teenage driver in your family, you don’t have to expect to pay more for your teenage driver auto insurance premium. There are several ways to lower the auto insurance for your teenage driver. Read more ›

How to get cheap car insurance for young drivers

Younger drivers under the age of 25 are at higher risk for car accidents, which is why people under 25 years old pay more premium on their car insurance. People under 25 are less experience in driving than older drivers; however, there are ways to get cheaper car insurance for people under 25.

One of the ways to get cheap car insurance for people under 25 is to get driving lessons. Car insurance companies usually state which driving lessons would qualify a young driver for car insurance discount. Also, if the young driver finishes the driving courses and have good grades at school. Many of the US car insurance companies would offer the young driver a discount. Read more ›

Don’t Suped Up your car or pimp your ride to save money on car insurance

By pimping out your car with bigger shinier rims, big loud stereo system, with lcd TV, Lamborghini doors, or fancy body kits are something most people want because they look cool. By having one or all of these additional modifications to your car will actually increase your car insurance premium because if you got into an accident or the car got stolen. Your car insurance will have to pay for all the medications you did to your car.

So if you are looking for a way to save some cash, you might want to hold back on all those modifications. Unless money is no object to you or you are a hard core car fanatic you might want to back off on all the modifications. You will thank your self when you see the price difference when your car insurance bills come.

Types of tickets that effect your auto insurance cost

Worrying about which tickets will effect your auto insurance is a trying thought. There are so many different tickets that you can get, and it is somewhat of a mystery of what will make your auto insurance premium to go up or what will make it go down. If you are the type of person that always unluckily gets parking tickets, there is good news for you. Parking tickets do not count against your auto insurance; your premium will never go up from parking tickets, except any moving violations.

What is moving violations? Moving violation is any sort of ticket you get when your car is moving. For example, speeding tickets, running red lights, and don’t not stop at the stop sign. These are all examples of moving violations which will make your premium to go up if you have any of those tickets.

Now you are thinking how your car insurance company will know if you have any tickets. Your car insurance can find out if you have any of those tickets with their central database, so there is no way you can get away. Make sure when you drive, you drive safe and obey the laws of traffic!

Will your car insurance premium cost go up after an accident?

What happens to your auto insurance rates when after you crash your car?

You gotten in a car accident and wondering if your car insurance premium will go up. Well, that depends on a number of factors. Here we have collected some helpful principles on whether your car insurance may or may not increase after a car accident.

#1 What is your car insurance company?

Your car insurance company plays the biggest role in whether your car insurance premium will go up or not. The reason for that is because your car insurance company takes on your risk each month. If you car insurance company say it is now more expensive to insure you, you are stuck it that. (not every car insurance is the same) Where one car insurance company will only take on about 10% premium surcharge after an accident, another car insurance company may not do anything to the premium. Below are other factors that influence the car insurance company decision to increase or not increase your insurance premium.

#2 Was the car accident your fault?

Another big factor if your car insurance premium will go up after the accident is whether the car accident was your fault. IF you caused the car accident and the damages are over your deductible (usually $500-$1000) an increase to your premium is most likely. How much the increase cost of your car insurance premium depends on the severity of the damages, injuries, and your car insurance company. In most cases the increase is about 10% increments and it may last for 3 years. Read more ›