Wednesday, August 27, 2008

Want fast car insurance for drunk driver - Broker or Direct?

This short report aims to assist you in getting lower premiums. A few methods exist to assist you in lowering your car insurance for drunk driver monthly costs. Most are straight forward and can be applied at quotations stage while other tips may take some time to apply. Not every method given will be relevant for you, however if you are looking for car insurance for drunk driver methods are presented to help you lower you insurance cover costs.

Topics that the article will investigate are paying for your premium, cover explained, pass plus discounts just to name some of the topics.

Step One Low engine cars are cheaper - Big engines are harder to control and cost more to replace so driving a car of this kind costs more to insure. One way then to reduce the costs of your car insurance for drunk driver is to find a cheap small car.

Step Two Limit named drivers ! Naming drivers on your insurance costs more. If the drivers are younger than 25 years old then the costs will be much higher. The secret is to name only those that will drive the car. If the driver you need to name has driving any other cars extension then they can drive you car third party only on their own policy. Depending on the value of your vehicle third party cover may be satisfactory or not. Instead of naming a driver permanently you can add them temporarily part way through your insurance year.

Step Three Shopping around ! If your renewal notice is less than 2 weeks away and you haven't had it ring your broker or provider to get it now. That way you still have time to compare cover and prices elsewhere.€ Make a list and ring or submit your details online to a minimum of 4 motor insurers. Look through league tables about insurers sometimes quoted in the press newspapers and magazines. Make a list of the prices and compare benefits as well as costs.

Step Four Upgrade your licence ! An alternative way to save on your car insurance for drunk driver is by enrolling on an advanced driving course. The pass plus is a good start for younger first time drivers. Lots of insurers now give substantial discounts if first time drivers have the pass plus. Topics the course covers are all weather driving, driving on dual carriage ways and driving out of town. Other courses that can help older drivers are the IAM institute of advanced motorists or the and ROSPA.

What are the next steps ?

Please make sure you have carried out the appropriate steps listed above. For car insurance for drunk driver we recommend you visit this site Self Employed Insurance

Guest Post by Damian, the owner of many finance related websites. Including mortgage, loans and debt advice. For more information visit http://www.selfemployedhelp.co.uk

Monday, August 25, 2008

Driving Under The Influence in Alabama

Every year millions of people in the United States get convicted of Driving under the Influence (DUI). This a crime and often times these drunk drivers maim or kill people due to them not being in the right capacity to operate their motor vehicle. This article will examine what exactly is a DUI and the different sentences associated with it under the state of Alabama. It will also look at the issue of obtaining car insurance once you have been convicted of a DUI in Alabama.

It is a crime to drive drunk and this is often times called driving under the influence (DUI) or driving while intoxicated (DWI), this all depends on the state and how they define it. In the state of Alabama it is known as a DUI. To be considered a drunk driver in Alabama, the driver must have a high blood alcohol concentration of .15 or higher. Drunk driving kills many people a year and puts countless others at risk. This means if convicted of a DUI it carries far reaching consequences. These will be discussed below.

DUI is a crime and if you are arrested there are different sentences that can be handed down by a court in Alabama. These vary and this article will examine what they are. In the State of Alabama if you have a first offense of DUI then you may get some of the following penalties. For a first offense you may either receive one year in jail, a 90 day license suspension up to a $2,100 fine and mandatory DUI school. For a second offense you may receive one year in jail, mandatory 5 days in jail, a 1 year license suspension, a fine up to $5,100 and mandatory DUI. For your third DUI you may receive one year in jail, mandatory 60 days in jail, a 3 year license suspension, a fine up to $10,100 and mandatory DUI. Your fourth and higher DUI offense is considered a C class felony and you may receive punishment of one year and a day to 10 years in jail, a 5 year license suspension and a fine up to $10,100.

Aside from court costs, possible jail time and heavy fines people convicted of a DUI in Alabama also have to worry about their car insurance premiums increasing. Most people depend on their car and an added cost to operating one affects people tremendously. Most insurance companies check your DMV records to see if you have any accidents or been convicted of a DUI. Insurance companies in Alabama especially the city of Birmingham if they find out you have a DUI conviction will often times raise your premiums because they feel as if you are a high risk driver. This could send your Birmingham auto insurance through the roof.

Guest Post by James Dalton continues to write on interesting topics as it relates to the Birmingham Insurance industry. For more interesting articles on various aspects of insurance such as Birmingham Auto Insurance, please feel free to visit his website.

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