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Article Title:

==============



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@...







For more free-reprint articles by Sarah Simmons, please visit:

http://www.thePhantomWriters.com/recent/author/sarah-simmons.html





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=============================================



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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.













---------------------------------------------------------------------

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.





--- END ARTICLE ---



Get HTML or TEXT Copy-and-Paste Versions Of This Article at:

http://thePhantomWriters.com/free_content/db/s/tips-for-lower-auto-insurance-rat\

es.shtml#get_code







.....................................



TERMS OF REPRINT - Publication Rules

(Last Updated:  May 11, 2006)



Our TERMS OF REPRINT are fully enforcable under the terms of:



   The Digital Millennium Copyright Act

   http://thomas.loc.gov/cgi-bin/query/z?c105:H.R.2281.ENR:



.....................................



*** Digital Reprint Rights ***



* If you publish this article in a website/forum/blog,

   You Must Set All URL's or Mailto Addresses in the body

   of the article AND in the Author's Resource Box as

   Hyperlinks (clickable links).



* Links must remain in the form that we published them.

   Clean links should point to the Author's links without

   redirects having been inserted into the copy.



* You are not allowed to Change or Delete any Words or

   Links in the Article or Resource Box. Paragraph breaks

   must be retained with articles. You can change where

   the paragraph breaks fall, but you cannot eliminate all

   paragraph breaks as some have chosen to do.



* Email Distribution of this article Must be done through

   Opt-in Email Only. No Unsolicited Commercial Email.





* You Are Allowed to format the layout of the article for

   proper display of the article in your website or in your

   ezine, so long as you can maintain the author's interests

   within the article.



* You may not use sentences from this article as an input

   for any software that steals sentences from others in

   order to build an article with software. The copyright on

   this article applies to the "WHOLE" article.





*** Author Notification ***



   We ask that you notify the author of publication of his

   or her work. Sarah Simmons can be reached at:

   insurancequotes.com@...





*** Print Publication Reprint Rights ***



   If you desire to publish this article in a PRINT

   publication, you must contact the author directly

   for Print Permission at:

   mailto:insurancequotes.com@...







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ABOUT THIS ARTICLE SUBMISSION



http://thePhantomWriters.com is a paid article distribution

service. thePhantomWriters.com and Article-Distribution.com

are owned and operated by Bill Platt of Stillwater, Oklahoma USA.

Learn more about our article distribution services by visiting:

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The content of this article is solely the property

and opinion of its author, Sarah Simmons

http://www.InsuranceQuotes.com







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Free-Reprint Article Written by: Sarah Simmons

See Terms of Reprint Below.





*****************************************************************

*

* This email is being delivered directly to members of the group:

*

*    automotive_content@yahoogroups.com

*

*****************************************************************





We have moved our TERMS OF REPRINT to the end of the article.

Be certain to read our TERMS OF REPRINT and honor our TERMS

OF REPRINT when you use this article. Thank you.



This article has been distributed by:

http://Article-Distribution.com



Helpful Link:

   The Digital Millennium Copyright Act - Overview

   http://www.gseis.ucla.edu/iclp/dmca1.htm



---------------------------------------------------------------------



Article Title:

==============



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: 2009-07-07 10:24:00



Written By:     Sarah Simmons

Copyright:      2009

Contact Email:  mailto:insurancequotes.com@...







For more free-reprint articles by Sarah Simmons, please visit:

http://www.thePhantomWriters.com/recent/author/sarah-simmons.html





=============================================

Special Notice For Publishers and Webmasters:

=============================================



If you use this article on your website or in your ezine,

We Want To Know About It. Use the following URL to let

us know where you have used this article, and we will

include a link to your website on thePhantomWriters.com:



http://thephantomwriters.com/notify.php?id=6801&p=load





HTML Copy-and-Paste and TEXT Copy-and-Paste

Versions Of Article Are Available at:

http://thePhantomWriters.com/free_content/db/s/tips-for-lower-auto-insurance-rat\

es.shtml#get_code



---------------------------------------------------------------------



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.













---------------------------------------------------------------------

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.





--- END ARTICLE ---



Get HTML or TEXT Copy-and-Paste Versions Of This Article at:

http://thePhantomWriters.com/free_content/db/s/tips-for-lower-auto-insurance-rat\

es.shtml#get_code







.....................................



TERMS OF REPRINT - Publication Rules

(Last Updated:  May 11, 2006)



Our TERMS OF REPRINT are fully enforcable under the terms of:



   The Digital Millennium Copyright Act

   http://thomas.loc.gov/cgi-bin/query/z?c105:H.R.2281.ENR:



.....................................



*** Digital Reprint Rights ***



* If you publish this article in a website/forum/blog,

   You Must Set All URL's or Mailto Addresses in the body

   of the article AND in the Author's Resource Box as

   Hyperlinks (clickable links).



* Links must remain in the form that we published them.

   Clean links should point to the Author's links without

   redirects having been inserted into the copy.



* You are not allowed to Change or Delete any Words or

   Links in the Article or Resource Box. Paragraph breaks

   must be retained with articles. You can change where

   the paragraph breaks fall, but you cannot eliminate all

   paragraph breaks as some have chosen to do.



* Email Distribution of this article Must be done through

   Opt-in Email Only. No Unsolicited Commercial Email.





* You Are Allowed to format the layout of the article for

   proper display of the article in your website or in your

   ezine, so long as you can maintain the author's interests

   within the article.



* You may not use sentences from this article as an input

   for any software that steals sentences from others in

   order to build an article with software. The copyright on

   this article applies to the "WHOLE" article.





*** Author Notification ***



   We ask that you notify the author of publication of his

   or her work. Sarah Simmons can be reached at:

   insurancequotes.com@...





*** Print Publication Reprint Rights ***



   If you desire to publish this article in a PRINT

   publication, you must contact the author directly

   for Print Permission at:

   mailto:insurancequotes.com@...







.....................................



If you need help converting this text article for proper

hyperlinked placement in your webpage, please use this

free tool:  http://thephantomwriters.com/link-builder.pl







=====================================================================



ABOUT THIS ARTICLE SUBMISSION



http://thePhantomWriters.com is a paid article distribution

service. thePhantomWriters.com and Article-Distribution.com

are owned and operated by Bill Platt of Stillwater, Oklahoma USA.

Learn more about our article distribution services by visiting:

http://thephantomwriters.com/x.pl/tpw/info/article-distribution/index.html



The content of this article is solely the property

and opinion of its author, Sarah Simmons

http://www.InsuranceQuotes.com







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