Knowing your way around Gilbert car insurance laws will keep you out of trouble.

Make sure that you have the correct amount of Gilbert car insurance.

Knowing that you have to have car insurance is not enough. You have to know what proof of coverage that you need to present when asked for it and you have to know exactly how much you are required by law to have. If you just have insurance, but fail to pay attention to the other important aspects of Gilbert car insurance you could still end up in trouble with the state.

How Much Car Insurance Do You Need?

The State of Arizona only requires that you carry 15/30/10 liability limits on your Gilbert car insurance to be able to legally drive. For those that don’t speak insurance, this translates as:

• $15,000 in liability coverage for the expenses related to the injuries that you cause to another person
• $30,000 in liability coverage for the expenses related to the injuries that you cause to two or more people.
• $10,000 in liability coverage for damage you do to another person’s property.

Beyond these coverages, it is up for you and your insurance agent to decide how much insurance coverage you need that will adequately protect you.

Acceptable Gilbert Car Insurance Proof

“In this article, unless the context otherwise requires, “evidence” includes:

1. An original, a photocopy or a copy of a current and valid:

• (a) Motor vehicle or automobile liability policy that meets the requirements of section 28-4009.
• (b) Binder or certificate of motor vehicle or automobile liability insurance that meets the requirements of section 28-4009.
• (c) Certificate of self-insurance issued by the department under article 1 of this chapter.
• (d) Certificate of deposit that meets the requirements of section 28-4084.
• (e) Motor vehicle insurance identification card issued by an authorized insurer or an authorized agent of the insurer for a motor vehicle or automobile liability policy that meets the requirements of section 28-4009.
• (f) Certificate of insurance for a policy that meets the requirements of section 28-4033.

2. Designation of a motor vehicle as owned or leased by this state or any of its political subdivisions according to section 38-538.

3. A display on a wireless communication device of any item listed in paragraph 1 of this section.” (Arizona State Legislature)

Your Gilbert car insurance agent will be able to help make sure that you have the correct coverages and proof.

Reckless driving is a guaranteed way to increase the rates on your North Las Vegas car insurance.

Don’t drive reckless, and you will keep your North Las Vegas car insurance rates lower.

Reckless driving is one of those traffic infractions where there is no question about whether or not your North Las Vegas car insurance premium will increase, because it will. Reckless driving puts yourself, and more importantly, other people in danger.

Not sure what reckless driving is? Here it is spelled out by the City of North Las Vegas.

Reckless Driving

“10.28.010 Reckless driving.

A. Any person who drives any vehicle in wilful or wanton disregard for the safety of persons or property is guilty of reckless driving.

B. “Persons” whose safety is disregarded shall include, without limiting, all occupants of the vehicle which is driven in a wilful or wanton manner including the driver; and “property” shall include, without limiting, the vehicle which is driven in a wilful or wanton manner.”

Intoxicated Reckless Driving

“10.28.020 Driving under the influence of intoxicating liquor.

A. It is unlawful for any person who is under the influence of intoxicating liquor to drive or be in actual physical control of a vehicle within the city.

B. It is unlawful for any person who is a habitual user of, or under the influence of, any controlled substance as defined in Chapter 453 of NRS, or any person who inhales, ingests, applies or otherwise uses any chemical, poison or organic solvent, or any compound or combination of any chemical, poison or organic solvent, to a degree which renders him incapable of safely driving or steering a vehicle, to drive or steer a vehicle within the city. The fact that any person charged with a violation of this subsection is or has been entitled to use such drug under the laws of this state shall not constitute a defense against any charge of violating this subsection.”

Being Reckless Without North Las Vegas Car Insurance

Not only will reckless driving get your higher insurance rates, recklessly driving without North Las Vegas Car insurance will get you higher insurance rates. To keep your future insurance rates down, make sure that you have the following State of Nevada approved coverages:

15 = $15,000 of bodily injury liability coverage for anyone not in your vehicle injured by you while you are driving.

30 = $30,000 also for bodily injury liability coverage, but this is the total that the insurance company will pay out for injuries from a single accident if there are two or more people injured.

10 = $10,000 of property damage liability coverage to pay for any damage you cause to another person’s vehicle.

Carry North Las Vegas car insurance and dive safe out there, for your sake and for others.

Scottsdale car insurance isn’t the only safety game in town.

Keeping traffic flowing and drivers out of financial trouble.

We all know that having Scottsdale car insurance is a safety net to protect us financially in case we ever get into a car accident. Yes, we are forced to purchase it if we want to drive, but it is still there to protect us nonetheless.

Another safety net for Scottsdale drivers that you may not know about is the ITS.

Playing Safe with Traffic

The ITS (Intelligent Transportation Systems) is who Scottsdale drivers have to thank for making traffic adjustments to ease congestion. They control the traffic signals, the traffic message signs, and communicate with the media to get public messages out about traffic situations.

They basically help to redirect or improve the flow of traffic if there is congestion from a traffic accident, a weather event, special event, or is just a heavy rush hour. By controlling and trying to keep traffic flowing, they are actually helping to decrease the traffic accidents that happen when traffic gets backed up.

From the scottsdaleaz.gov website, here are some of the other benefits that ITS provides for drivers:

1. Reduce traffic incident delay – when collisions, spills or stalled vehicles occur, signal timing can be immediately adjusted to reduce the delay.
2. Pro-active traffic management through work zones – reducing those frustrating construction zone delays.
3. Roadway safety is enhanced by enabling immediate detection and reporting of incidents to Police Department, Emergency Services/Fire, other agencies, the media & public.
4. Event Traffic Management – costs are dramatically reduced by centralized traffic management as opposed to many police officers at various locations.
5. ITS enables Scottsdale to hold travel time on City streets steady, and where possible, even reduce travel time as traffic volume increases due to growth.
6. Reduction or prevention of traffic congestion
7. Environmental improvements
8. Reduced fuel consumption

Playing Safe with Car Insurance

While you may not have the power to control traffic flow in Scottsdale, you do have the power to control the financial fallout that results from a car accident, by carrying car insurance.  Well, you have the power to voluntarily control the financial fallout from the damages to your vehicle and your passengers, because the State of Arizona actually requires you to protect other drivers with the following care insurance coverages:

• $15,000 bodily-injury liability for one person
• $30,000 for two or more people
• $10,000 property-damage liability

For more information about what coverages you need to protect your vehicle and passengers, contact your Scottsdale car insurance agent.

Lower car insurance rates in the summer means more fun money for you.

Begin your summer by finding lower car insurance rates.

Happy Memorial Day Weekend! Summer has officially begun in our hearts, even if the calendar says that it is still spring.

For many of us, summer means a lot more driving and enjoying our vehicles because the weather allows for safer and more enjoyable driving conditions. So why not enjoy your vehicle even more this summer by finding ways to pay less for your car insurance premiums.

Ways to Lower Car Insurance Rates

If you just keep renewing your car insurance policy over and over again, it is definitely time to review what you are actually paying for on your car insurance. So while you are enjoying your three day weekend, pull out your policy and take a good look at what coverages you have on your vehicle or vehicles.

Here are some questions you need to ask yourself while you are looking:

• Do you have vehicles that you are paying more in car insurance premiums than they are worth?
• Do you think that you are missing discounts that you feel should be there (multi-car, good student, multi-policy, good driver, etc.)?
• Has your car insurance steadily increased each renewal, but you haven’t had any accidents or tickets?

If you answered yes to any of the questions above, write down your concerns and talk to your agent when their office opens again on Tuesday. If your agent can’t help to get your car insurance premium down, then it is definitely time to start looking for a new car insurance agent that can get you a better rate.

Keeping Premiums Level This Memorial Day

While you are trying to get your car insurance premium down for the summer, don’t go and do something silly this weekend that would cancel out all of your hard work in trying to get your premium down. Obey all traffic laws to avoid getting a ticket that will increase the number of points on your driving record and would result in a premium increase. Also, avoid causing a car accident that your car insurance company would end up having to pay for, that would also result in a car insurance premium increase.

Here are some Memorial Day tips to follow that will help you avoid starting the domino effect that ends in higher premiums:

1. Avoid drinking and driving
2. Take your time going to where you need to be, no speeding
3. Wrap and secure food that is travelling to a bbq, so that it doesn’t spill or burn someone and distract the driver
4. Remain calm when you discover a flying, stinging insect in the car. Pull over and then commence freaking out until they fly away
5. Watch for children playing in the street while they are out of school for the holiday weekend
6. When driving out of town, be extra vigilant on the streets that you are not familiar with

Don’t forget to have fun this weekend also, so once you have given your current insurance policy a good review, put it aside and tackle the changes that you need to make on Tuesday.

It’s actually more expensive to drive without Irving car insurance.

Your Irving car insurance may actually be cheaper than the financial aftermath of not having it.

No one likes paying for something that they are being forced to purchase, and for most people Irving car insurance is the first thing that comes to mind when you bring up a topic like this. Many drivers see this as an inconvenience and as a part of their outgoing budget that is wasted money for what they are getting in return.

But, did you know that in most cases it is cheaper to get Irving car insurance than to be caught without it?

Initial Irving Car Insurance Cost vs. the Ticket Aftermath

Per insure.com, the average cost of car insurance for a driver in Texas is $1,620 a year. This works out to be about $135 a month.

Now, if you are caught without Irving car insurance you can expect to pay a $382 fine from the City of Irving.  This fine is higher than getting caught speeding, driving without a driver’s license, running a red light, failure to wear your seatbelt, and most of the other traffic violation fines that the city can penalize you with.

For the State of Texas, the fines are even worse. You can expect the following if you have no car insurance:

1. First offense: fine of $175 to $350
2. Additional offenses: fine of $350 to $1,000, suspension of your driver’s license, and impoundment of your car
3. Offense without a driver’s license: $2,000 maximum fine, 180 days in jail, or both
4. Offense if you cause an accident with serious injuries or death: $4,000 maximum fine, one year in jail, or both.

(Source: Texas Department of Insurance)

The bad news for drivers that drive without car insurance is that the above are just the fines; that doesn’t include the increase in car insurance premiums that you are now going to have for avoiding having Irving car insurance in the first place. And you can sure bet that your new car insurance premiums are going to be a lot higher than that $1,620 annual average that everyone else pays.

Irving Car Insurance Coverage

Just in case you weren’t sure what the minimum Irving car insurance is to keep yourself from being fined, here you go:

• $30,000 in bodily injury liability coverage for each injured person
• $60,000 in bodily injury liability coverage total for multiple injured persons
• $25,000 for property damage liability coverage per accident

Your Irving car insurance agent will make sure that you have at least the minimums to keep you out of trouble, so you don’t have to worry about getting insurance and not having enough.