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Surprising Ways You Can Get Lower Auto Insurance Quotes

Article Description:
====================

Shopping around for insurance quotes can ensure drivers receive
the best rates, but how can you make sure you are getting the
lowest auto insurance quotes possible? Certain factors can affect
how high or low your auto insurance quotes are, and one of the
easiest ways to get lower auto insurance quotes is to keep your
driving record clean.


Additional Article Information:
===============================

676 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2009-06-16 14:12:00

Written By: Sarah Simmons
Copyright: 2009
Contact Email: mailto:insurancequotes.com@...



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Surprising Ways You Can Get Lower Auto Insurance Quotes
Copyright (c) 2009 Sarah Simmons
Insurance Quotes.com
http://www.InsuranceQuotes.com



Auto insurance is mandatory by law in most states, but insurance
can be expensive, especially during the current economy. As a
consumer, it's always a smart idea to seek assistance from an
impartial third party Insurance Quotes site and let the insurance
companies earn your business.

Shopping around for insurance quotes can ensure drivers receive
the best rates, but how can you make sure you are getting the
lowest auto insurance quotes possible? Certain factors can affect
how high or low your auto insurance quotes are, and one of the
easiest ways to get lower auto insurance quotes is to keep your
driving record clean.

While most drivers know the most common traffic laws (don't
speed, stop at red lights, signal for turns, etc.) you might be
surprised at some of the laws that will not only drive up auto
insurance quotes, but most likely result in the loss of your
license. Not only is it expensive and difficult to get your
license back, but once you do, your auto insurance rates will
shoot through the roof.

To avoid adding points to a driving record, (and to keep auto
insurance rates low) avoid the following infractions:

Failure to Install an Ignition Interlock System

If you ignore a court order to install an ignition interlock
system, you'll get hit with a one-year suspension and be charged
as a disorderly person.

Lying on an Application

The state comes down hard on false data. If caught submitting
false information on your license application, you can possibly
face prison time, fees as high as $500, and lose your driving
privileges for up to two years.

Refusing a Breathalyzer Test

The state equates refusal to taking a breathalyzer test with
having a BAC of .10%. Regardless of if you're innocent or not,
your driver's license will be immediately suspended for up to
one year. In addition, you may be hit with an MVC insurance
surcharge of $1,000 per year for three years.

Driving Under the Influence (DUI)

The penalties increase with each conviction. A first DUI offense
will result in losing your license anywhere from three months to
one year and spending up to 30 days in jail. A second DUI that
occurs within 10 years of the first offense will cost you up to
90 days in jail and a two-year suspension.

Driving without Car Insurance

Don't test this law. Insurance is mandatory. Failure to have
coverage will result in a one-year suspension, fines up to
$1,000, a $250 surcharge for three years, and possible community
service.

Accumulating Points on Your Driving Record

If you accumulate a total of 12 or more points on your driving
record, regardless of what the points were for, the MVC will
issue a Notice of Scheduled Suspension of your driving privilege.

Abandoning a Vehicle

If you leave your vehicle for four hours or more on or along a
limited-access highway without permission, you'll face a fine of
up to $500 and possibly lose your license for up to two years.
Any subsequent violations could possibly result in a five-year
suspension.

Hit-and-Run

Leaving a scene of an accident, especially when injury or death
is involved, is a major crime. Even if you're innocent, you'll
still face heavy repercussions including fines of up to $5,000,
possible jail time, and loss of license for one year.

Failure to Pay Child Support

Possibly the most surprising infraction, if you fail to pay six
months of court-ordered child support payments, you'll lose your
license until all payments are made.

Loaning Your Driver's License

If caught loaning your license to another driver, you'll get hit
with fines as high as $500, possible jail time, and a suspended
license.

Insurance companies look at each driver's record before offering
an initial auto insurance quote. The number of years that an
insurance company looks back changes by company, so if you had a
poor driving record five years ago, but have improved your
driving record over the last three years, try looking for
insurance companies that adjust rates according to a three-year
record.






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Article written by: Sarah Simmons.
For nearly 2 years, http://www.InsuranceQuotes.com/ has been
a major resource for consumers interested in lowering their
insurance costs. Helping thousands of people save money
nationwide, InsuranceQuotes.com stands firmly behind the
belief that everyone deserves affordable insurance.


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http://www.InsuranceQuotes.com



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