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The Dreadful Effects of Drunk Driving in Houston

Drunk driving can have many negative effects on one’s mind and body. There are numerous disadvantages and negative effects of drunk driving; some of which are major and affect a person’s skill in driving. These skills include skills like reaction time, which is greatly affected, in a negative way if a person drinks and drives. Among the many negative effects of drunk driving is the sense of false confidence. An example of this effect is the situation when a drunk driver thinks they can make the gap, but in reality, they cannot and instead go slamming into the two pillars, consequently resulting in an accident.

Here are some of the most major and most dreadful effects of drunk driving.

•       Decrease in reflexes- Among the many effects of drunk driving is the decrease in reflexes. Even if a person does have cat like reflexes, after they get high, all those reflexes go out the window and are completely distorted. If a person does not have quick reflexes, the probability of them being involved in an accident, probably fatal, increases and becomes more likely to happen.

•       Reaction time affected- Drunk driving can greatly affect a person’s reaction time because when a person is drunk, they don’t know what exactly is going on around them which greatly decreases their reaction time which mostly results in accidents.

•       Consciousness decreased- The level of consciousness of the driver is also decreased if the driver is driving while being drunk. That is because a person’s senses start fluctuating which affect the mind and that consequently decreases a person’s consciousness.

•       False sense of confidence- When a person is drunk, they develop a false sense of security or confidence. This means that they imagine and think that they can do stuff, which, in reality, they cannot. This greatly affects the probability of them being in an accident and that is why it is always advised that a person does not drink and drive. Who knows that if a person decides to drink and drive, they might think they can jump over an under construction bridge when they really just end up being dead or injured. In this case, auto insurance in Houston might come in a handy.

•       Lack of coordination- When a person drinks, their senses, obviously, start shutting down. This leads to their mind being disconnected from their other body parts and unnecessary or unusual movements taking place. When this happens, a lack of coordination develops and the person cannot take full control of their senses which mostly results in accidents.

•       Distorted vision- If a person drinks, it is noted that their vision turns blurry and becomes distorted. This can greatly increase the probability of them being in an accident. A distorted vision also helps develop a lack of judgment in the person. To avoid the damages to a person’s car from an accident, it is always suggested to get auto insurance in Houston for a person’s car.

These were only few of the effects of drunk driving and what it can do to a person. The aftermath of drunk driving is never good for anyone and that is why it is always best if one does not drink and drive. It is every Houston citizen’s duty to inform others and to make them quit drunk driving.

Do you want to compare insurance quotes in Houston? Well then go ahead and enter your ZIP code into the box located at the top of this website.

Six Consequences in Breaking DUI and DWI Laws in Houston

For all the drunk drivers out there in Houston, the  Houston DMV, together with the government has come up with some DUI or DWI laws that are imposed in Houston and affect any driver that is caught driving with a blood alcohol concentration level that is more than the legal limit. These rules are meant to teach people that the best answer is not to drink and drive but some people fail to learn that very lesson. These specific people get caught while drunk driving and are convicted of breaking the DUI laws in Houston. Any offense to the law cannot go unpunished and that is why there are some particular punishments and penalties that the DMV and the government have come up with.

Many people wonder what they are; they don’t have an idea of what they might have to deal with if they commit and offense to the DUI laws in Houston. Well, for a heads up, these penalties are really hefty and they are not something a person can live with. It should again be reminded that the best answer is not to drink and drive.

Here are some of the intimidating consequences an offender of the DUI laws has to face (1).

•       Imprisonment- The first and probably the worst consequence of offending a DUI law in Houston is imprisonment. If a person is caught drunk driving, they are imprisoned at the command of the law and court. The imprisonment periods are short for the first two offenses by the driver but for the third offense and for habitual offenders, it’s not something a person can live with.

•       Fine- The second consequence that one will have to deal with if they offend a DUI law in Houston is the fine. The drivers caught driving while drunk are imposed to fines. The fines, just like the imprisonment period, are small for the first couple of offenses but increase drastically when the driver becomes a habitual offender.

•       Suspension of license- Drunk drivers’ licenses can also be suspended by the court if needed and the suspension periods are also affected by the offender’s offense number.

•       Community service- Drunk drivers are often required to go through community service for a good amount of hours per week. This helps them realize what they have done and try to correct themselves.

•       Forced attendance of drunken driving awareness campaigns and seminars- The drivers caught driving while under the influence of alcohol are also often required to attend drunken driving seminars and awareness campaigns as advised by the Houston DMV and the law.

•       There may be many more, intense consequences if a person becomes a habitual violator of the laws of Houston.

After reading all of these consequences that a drunk driver has to face, I think you might be thinking that it’s better not to drink at all. Hey there! You know what? Now you can compare insurance quotes in your state just by entering your ZIP code in the box at the top of this page.

Three Tips to Cut Down Insurance Costs and Premiums in Houston

Many people wonder if there are any tips that exist which can help one decrease and cut off their insurance costs and insurance premiums. For those of you who think about that, the answer is yes. These tips and tricks do exist and they also help many people every day. They assist one in buying car insurance and decreasing car insurance’s cost and insurance premiums. Many people take the help of these tips and tricks to learn how they can reduce their insurance costs and insurance premiums.

Many people are very well off and do not need these types of tips to get through their year and pay their premiums for car insurance in Houston on time. On the other hand, there are many low income earners and people who are not able to successfully pay their insurance premiums on time or face problems when they need to do the task. Exclusively for these people, tips that can help them cut down and reduce their car insurance premiums were developed and brought into existence.

There are many common and well known tips that can help a person accomplish the task of effectively decreasing their car insurance costs and premiums and some of these highly effective tips are listed below.

1.      Keep a clean record- It is really helpful for a person if they are able to keep a clean driving record with minimum amount of insurance claims. They should always drive safe, avert any chances of accidents and avoid drunk driving and other factors which can make the insurance company angry. Angry insurance companies lead to higher insurance costs and premiums and that is not good for the person who has insured their car.

2.      Always be aware of the market- You should always be up to date on the happenings of the market and you should always know what is taking place in the market of insurance. If you ever see another company that offers better car insurance in Houston at a better price than your insurance company, you should always switch. You can be updated on the insurance market by comparing insurance quotes which can be done by entering your ZIP code in the box located at the top of this page. Switching insurance providers enables you to get all the benefits and bonuses all over again too.

3.      Carefully select your vehicle and avoid modifying it or changing it- You should always choose your vehicle carefully and you should never try to modify it, swap it or change your car. Any of the above events effectively increase your insurance premiums and insurance costs and that is the reason you should avoid doing any of the things mentioned above.

A person can use these effective tips to get the best discounts and save as much as possible on their car insurance premiums. A person can also use many other significant tips that can accomplish the same job but require you to do different, simple tasks. If a person is in need of cutting down their insurance premiums, there is no better way than to use effective tips like the ones mentioned above.

Important Reasons of Obtaining Houston Car Insurance for Teenagers

It is a known fact that a person’s teenage is the most volatile and fragile stage of their life. Teenagers have been seen to do crazy stuff. It is a parent’s duty that they take care of their teens and protect them until or unless their teen becomes older than 17 or 18 (depending on your standards). Teenagers really need car insurance in Houston or in their area because it is a known fact that teenagers are pretty rough on the road and most accidents are caused by teenagers. There are many various reasons that a teenager needs car insurance so bad but the bottom-line is that teenagers do need car insurance and it is a parent’s duty to give them what they need.

And while they’re at it, parents should also get a health insurance policy or personal injury protection (PIP) auto insurance so that they protect their money and their teen’s health. Many people wonder exactly what’s the point that parents should get car insurance for their teens; the process is stressful not only in Houston but also in the rest of the world. If a person thoroughly thinks about it, they can find many reasons why they should insure their teens and their cars.

Some of the various reasons for insuring a teen’s car include the following:

1.      So that you can get a (almost) full coverage of the damages- In the case that your teen is involved in an accident, if you have a collision insurance on your teen’s car, you will be able to get almost full coverage of the damage. This means that if the car can be repaired, the insurance company will pay the money to fix the car and you just pay the deductible or excess. If the car is damaged beyond repair, the insurance company will pay the amount that the car was worth before the accident. The amounts are adjusted by their adjusters and you can also negotiate with them to get the most possible out of your insurance. It’s all about how well you play in the field.

2.      Discourages drunk driving- A person who’s car is insured knows that there are various ways to decrease and reduce the insurance costs and premiums one of which is to drive safely and have a good record on the road. If your teen comes to know of that, they will try their best to drive at their best behavior and also eliminate the chances of drunk driving.

3.      Discourages high speed driving- When buying car insurance for your teenager, you should always look for the cheapest and most economical car available. That is because not only does it help the insurance costs go down but it also isn’t attractive, your teenager will be discouraged when it comes to driving at high speeds. A teenager wants a sports car for driving at high speeds— not an economical car.

4.      Enables the teen to get to know how being mature feels like- Taking care of auto insurance and doing the best to reduce insurance costs is something that parents should make their teenagers realize. Dealing with car insurance in Houston should be opened up to the teenagers so that they will have an early taste of it at the same time develop their maturity towards things around them.

5.      Liability insurance takes care of the liabilities the teenager causes- Teenagers have always been noted to cause damage, to both non living things and real people. Because teens are new at driving, they often bump into things. They even bump into other people’s property like their mail boxes and other property. For that specific fact, liability insurance was created; it is not one of the most common insurance policies that exist. A liability policy is an insurance policy which covers up for any liabilities that may occur when a teenager crashes into someone’s property. Liability insurance is a must in many states across the U.S and is considered to be a must have for every driver.

6.      All other damages are taken care of by comprehensive insurance- Comprehensive insurance is the insurance that does the job every other type of insurance doesn’t. It covers any damages done to the car by any means other than an accident such as the weather, the garage or a theft/theft attempt. Teenagers are often found to be careless with their cars and park it around in different places. Their cars are often damaged by animals, weather, and stuff falling out of their garage shelf or when a thief attempts to break into their car and steal something. There are no specific insurance policies that cover for these situations except a comprehensive insurance policy and a comprehensive insurance policy is certainly a must have for all teenagers as it is really beneficial for them and it always proves to be of use.

7.      Emergent services reimbursement insurance- This type of insurance is pretty common and if a parent purchases this policy for their child, that’s going to be really beneficial. This type of insurance policy covers the charges for any emergent services that the person who is insured might need in the event that their car breaks down. This insurance covers mechanic fees, tire change fees and towing fees plus and many more.

It is really important that a person insures their teen’s car. Their teen will surely be new to driving and having insurance would make a great confidence boost for them. It is always advisable that the parents insure their teen before sending them off on the road. A person must have insurance before they can become a full fledged driver and that goes for teens too. Insurance is also the best way to keep a teen’s “wild” side locked in the cage and it is one of the best ways to give a teen the taste of maturity. Car insurance certainly has a lot of advantages and benefits certainly for teens.

If you want to compare insurance quotes in your area, you can simply do that by entering your ZIP postal code in the box located at the top.

Reasons Why Senior Drivers in Houston Need Auto Insurance

It is wondered by many whether elderly and aged drivers need car insurance or not. It is because when drivers get older, they gain experience and wisdom when it comes to driving. When a person grows old, his/her sense starts fluctuating, his/her reflexes start slowing down and the overall coordination is affected. That is why many people wonder whether elderly and aged drivers really need car insurance or they’re better off without insuring their car.

There are many ways in which a person’s age or the fact that a driver is an elderly can affect the driver’s car insurance in Houston. The affects are both positive to an extent and also start backfiring when their age exceeds a certain extent. That is why the confusion on whether aged drivers need car insurance or not has been so exaggerated and has been a problem in many families when the point comes where this decision has to be made.

The simple answer to the confusion that many individuals and families have developed over time and face double opinions when they need to make a decision over this point is that it is most likely that elderly people will be involved in accidents and that is the reason why it is advisable that the alpha male or alpha couple of the family opt to insure the car(s) owned and driven by the aged people of the family.

It is really essential that a family insures the car(s) of the elderly people of the family to avert any loss of money and any extra expenditure in the case of an accident, the drivers being involved in an accident or the car(s) being damaged by any means. It is also advisable to insure the car(s) driven by elderly people to nullify the loss that occurs in the case that the car(s) are stolen.

It is really important that elderly drivers’ car(s) is/are insured because although a person gains a lot of knowledge, wisdom and experience over the years that they have spent driving personal or commercial cars, when they reach the age of 45, their senses start weakening and fluctuating. Driving becomes a pain for the people that are above 50 and it is really dangerous and risky if they continue to drive after their age has reached a point where their most important senses, sight, touch and thought start to fluctuate.

When people reaches certain age, their reflexes start slowing down and shutting down plus. They start to loosen their grip on themselves and the coordination of their body senses and body parts like fists, hands, palms and legs starts to fall down. It becomes extremely dangerous for them to drive. That is the sole reason why so many elderly drivers are involved in accidents at a lot of occasions.

After a person reaches an age, they should quit everything they do especially driving and relax with their friends, family and relatives. That is the reason it is always advised that elderly drivers should always get car insurance in Houston for their cars to avert huge losses in case of accidents or mishaps.

You can now compare insurance quotes in your area by entering your ZIP code in the box at the top! The system will do the rest for you.

Guide to Car Owners on How Car Insurance can Save You from Accidental Damages

Living in Houston and owning a car is oftentimes expensive that is why it is very important that you get auto insurance in Houston to prepare yourself if ever an accident may occur. It is not just a matter of dialing a number and buying insurance. Rather, gathering quotes for car insurance in Houston is an important step in order to get the right car insurance.

For residents of Houston, the liability limit for acquiring insurance for cars is 20/40/15. This limit, considering serious damage to car during accident is quite low. In this case, there are fewer amounts left to be paid for the accident damage of the car. Thus, it makes sense to get insurance with higher liability limits to be on the safer side. A limit of minimum 100/300/100* is a good amount to be considered to accidental damages. Save yourself from worrying about accidental damage. In case you own a vehicle that is in absolute good condition and a greater value, it is important to go for auto insurance quotes in Houston that is meant for car accidents or car damages. This will help you replace the damaged parts or for any other case, repair the vehicle without paying from your own pocket.

Look for various quotes of auto insurance in Houston. Getting auto insurance in Houston is quite easy but getting the best one needs some time. In order to find the best, you will need some tactics such as gathering various quotes from various insurance providers. Through this, you can take a look at different policies and quotes that others are providing and get a chance to use this golden opportunity. It is not only the price that needs to be considered but one also needs to look into the coverage part. Low cost coverage is offered by a number of companies.

There are companies that offer extra coverage for free. These are additional advantages that you may get while comparing a number of quotes. Knowing the company is also an important step in acquiring the auto insurance in Houston. In case an accident occurs, immediately report it to the nearest police station and contact your insurance firm. Once your vehicle is appraised, an estimate will be made.

It is advisable to get an auto insurance that offer enough liability to help you pay off the damages of your car during accident. In case your car is expensive, consider raising your liability limit higher than the 20/40/15* limit as declared by the state. This is just a minimum limit and the state permits insurance with limits higher than this. Policies with higher coverage are also beneficial.  If you have not yet considered Houston car insurance quotes, start now by entering your ZIP code in the box above and get free auto insurance quotes in Houston. It is easy and fast and you will get the best quotes in a matter of minute.

How the Internet can Help in Buying Auto Insurance in Houston

HoustonCheapCarInsuranceQuotesAfter buying a car, the only concern is to buy proper insurance for it. Many people end up paying much more than they need to for auto insurance in Houston. This is due to the lack of consciousness and alertness. Many people on the other hand save hundreds every year while getting the necessary auto insurance in Houston. The insurance companies help you decide on the best insurance for you and guide you properly. The best way to shop for insurance is to use the internet.

Surfing the internet is easy and user-friendly. The most obvious reason why you should choose the internet rather than going about yourself is it saves you a lot of time and energy. You can sit in the comfort of your home and go through hundreds of insurance companies. Most companies have online profile where they offer you quote and auto insurance rates. The quote forms take only about 10-15 minutes to complete. The quotation building process begins with you having to fill out your ZIP code and then providing your date of birth, name, sex etc.

Moreover, you are asked to provide the information whether you want to buy home insurance for your condominium or rented apartment. The website takes 6 minutes to prepare your full profile and then shows you the different policies offered by companies and according to your budget. After getting the quote, you can start comparing immediately. Obtain quotes from as many companies you like and then start comparing. Find out the cheapest auto insurance rate possible. You also need to be sure about what kind of insurance you want- bodily injury, theft, comprehensive coverage; natural calamity- the list is endless. You can club these together to get an even cheaper rate.

In fact, the rate can be lowered by as much as 10%! If you have any queries about the company or the rates, you can easily call on their toll free number which is given in their website. The customer care executives are very helpful and they can answer all your queries after listening to it carefully.

Make sure you also look for discounts or special packages that the companies seem to offer almost throughout the year. But your work does not end here. Collect as much information about the company as possible before you decide to buy insurance from them. Use the consumer information source or visit the department of motor vehicles to get a clearer picture.

You must look at the financial stability of the company before you buy insurance from them. Ask your friends and family as well and try buying your car insurance from companies from which you’re near and dear ones have bought insurance. That way, you are sure that the company is reliable and is in a healthy financial condition. Most importantly, note whether the company is registered with the state or not.

Finally, before signing the policy, review it carefully and see whether they have included all the coverage you want. Once you buy a policy, the company makes an electronic submission to the TxDMV, and your insurance details are made available to the DMV, and the law enforcement. So, shopping online not only gives you the advantage of getting instant quotes but saves you time and energy as well. It gives you a wider picture. To start comparing now, enter your zip above in the space provided.

Simple Tips to Gather Required Documents when Buying Car Insurance in Houston

The first thing you need to do after buying a car is to get insurance. It is a sign of financial responsibility. In Texas, auto insurance is not mandatory, provided one carries alternative proof of financial responsibility, like that of self insurance, surety bond or that of a cash deposit of a substantial amount with the comptroller or a county judge. Obtaining necessary car insurance in Houston would help you financially if you ever meet with an accident or in case your vehicle gets stolen. There are some documents that need to be shown to the company in the state of Houston before you buy any insurance from them. By providing these documents, you are eligible for obtaining car insurance in the state. It is good to know about these requirements beforehand so your process of getting insurance becomes faster and easier. These requirements are usually the same in all the states. Let us discuss some of them.

•       The first and most crucial document that you need to provide to the company is your driver’s license. The driver’s license is like your identity card and gives them all the information that they require from you. They can check your past records and see if you have any tickets or charges, especially a DUI or DWI charge. If so, obtaining auto insurance can get really difficult. But if you have a clean and spotless record, you are bound to get a good price.

•       They also need your credit card information. This is mandatory for obtaining any kind of insurance. They are likely to make a credit check to see your financial condition.

•       You have to provide your social security number as well. If two or more people are getting insured, i.e. more than one person would be driving the car, all of them have to provide their social security number.

•       You need to provide such information as what type of car you are getting insured, what are your past driving records and even your place of residence. People who live in cities are usually in more danger of running into accidents; hence their insurance rate is usually higher. The type of vehicle you are driving is absolutely crucial in determining the auto insurance rate. A safe car would get you a better rate than a sports car or a car with less safety features.

•       Additional documents like your college certificates or the certificates that you have obtained on completing courses meant for safe driving can also be helpful as they help to lower your auto insurance premium. If you have had a GPA above 3.0, your premium is lowered as good students are considered to be responsible drivers.

Apart from these documents, the state of Houston also requires you to answer some basic questions while applying for insurance. Questions like age and address are common. You also have to specify the type of coverage that you are opting for. Insurance coverage can be of varied types so they should be chosen carefully. Any previous driving mishaps or violations need to be informed to the company as well. Being prepared and getting these documents ready can help you get insurance much faster.

But before getting any kind of insurance policy do take out some time and insert your zip code above. It would give you all the different quotes of various companies in Houston.

Four Pointers You Should Keep in Mind When Buying Car Insurance in Houston

Houston, in terms of car insurance quotes, is quite expensive. While the state has an average of $1730.66, a resident of this city pays out about $1748 as auto insurance. The state average is 9% higher than the national average. If you are planning to buy auto insurance in Houston, it is important to keep certain things in mind or you may end up paying more than you need to. Not only that, you can also buy the wrong insurance for yourself. Many people do not put much thought into buying car insurance but it is a lifetime thing and must be bought with caution. Buying it from the wrong company can cause serious problems later.

•       Do not get excited to see a very low quote. It may be a trick or fraud. A low quote does not necessarily mean that it is the best quote for you. Try to find out the financial condition of the company before you decide anything. Remember that you want a trusted and financially reliable company for your car insurance.

•       After proper research, another thing you have to determine is what type of insurance you want for your car. You have to meet the minimum liability auto insurance in Houston which is 30/60/25. The requirements are $30,000 for injury caused to one person, $60,000 for every person hurt and $25,000 for property damage including public property like railings or phone booths. Don’t forget that the minimum insurance is not sufficient in case of a major accident. Get as much insurance as possible for your family and your car so that you do not face a calamity later. If you have a problem deciding, ask the analysts who will recommend the proper insurance for you. You may want bodily coverage, property damage insurance, collision coverage or even insurance for uninsured motorists. You might want to get coverage for your legal fees in case of an accident. Theft or natural disasters are some other incidents that you should also take coverage for under comprehensive insurance.

•       Moreover, if you are a high risk driver do not hide it to your insurance company. It is expected that your rate would be higher than the others. The safety features in your car are also determinants of your insurance rate. If you are an older citizen or a part of any organization, do ask for discounts. If you are convicted with a DUI or DWI offense, you must remember to ask the company if they provide a SR-22 form or not. It is necessary to keep a SR-22 form within two years of a DWI conviction and this is usually filled by the insurance company itself. This will help re-instate your driving license from the suspension status.

•       You can get an attractive and reasonable insurance rate if you compare quotes rather than just buying it from the first company you come across. Shopping around gives you a wider view on the companies and makes your decision easier. You can even compare the different features of the companies.

What you can do is just enter your ZIP code below and leave it in the hands of experts. We will match you with the policies handed out by the best auto insurance companies in Houston.