A Guide to Choosing the Right Auto Insurance Policy

Auto insurance provides protection for you and your vehicle if you get into a car accident. As such, choosing the right auto insurance policy takes careful research and consideration. There are plenty of things to keep in mind, including state requirements for minimum liability protection and different types of optional coverage. To make things easier, read this guide to discover the information you need to know when choosing an auto insurance policy.

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Factors That Can Affect a Breathalyzer Reading

When police pull you over and suspect you of driving intoxicated, they will likely ask you to take a breathalyzer test. A breathalyzer is a device used to assess a person’s blood alcohol content (BAC) with a breath sample. The legal limit for a driver’s BAC is 0.08%, and blowing a higher BAC reading is considered to be legally impaired. It is a common misconception that breathalyzers are completely accurate tools for assessing BAC. However, several factors can affect a breathalyzer reading and produce an inaccurate result. (more…)

Reckless Driving vs. DUI Charges: A Brief Comparison

There are several kinds of charges for driving dangerously, and many people get them confused. Reckless driving and DUI charges can both have severe consequences but are imposed for different driving offenses. We’ll explain the differences between a reckless driving charge and a DUI charge and how they impact your future.

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Common Myths About Commercial Car Insurance

You must grapple with the many ups and downs of reaching new markets and goals as your business expands. Commercial auto insurance is important if you’re thinking about adding a fleet of vehicles to your business expenses.

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9 Things That Can Affect Your BAC Levels

With each sip of that celebratory champagne or swig of beer at the local pub, you’re not just tasting a beverage; you’re entering a complex chemical dance that can have very serious consequences, particularly if you plan on getting behind the wheel. Blood alcohol content (BAC) is the key player in this tale, dictating your level of impairment and, in many cases, deciding the fate of your safety and that of others around you.

Let’s walk through nine crucial elements that can affect BAC levels to empower you with knowledge that’s vital for every driver and health-conscious individual.

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What’s the Difference Between BAC vs. BrAC?

Two terms repeatedly surface in discussions of road safety and driving under the influence—BAC and BrAC. While these terms seem similar, their distinction could mean the difference between a safe drive home and a ticket plus a legal ordeal, especially for drivers in need of SR22 coverage.

Let’s break down the key differences between blood alcohol concentration (BAC) and breath alcohol concentration (BrAC) so you can be more responsible on the road.

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Important Things To Know About Nonowner Car Insurance

For someone who lives in a bigger city, owning a vehicle might seem more like a hassle than a privilege. In a world where ridesharing apps and rentals fit the bill for most “wheels” needs, the concept of nonowner car insurance might never have appeared on your radar. But what if we told you it could protect you in a motor vehicle accident where you’re the one at fault? (more…)

When Should You Consider Broad-Form Insurance?

Car insurance is the safety net we hope we’ll never need but are grateful for in times of crisis. Amid the array of insurance types, broad-form insurance is as a robust option for people looking to maximize coverage across various facets of vehicle ownership.

Who exactly should consider broad-form insurance over traditional policies? Let’s break down some distinct scenarios in which broad-form insurance could offer a strategic safety buffer for your financial well-being.

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What To Do if Your SR-22 Insurance Is Too Expensive

Maintaining valid car insurance is vital for any licensed driver. For those with a history of driving violations, obtaining the required SR-22 high-risk insurance form can present an additional challenge. While premium costs may seem daunting, there are steps you can take to reduce expenses without compromising the coverage needed to maintain legal driving privileges.

Here are factors that influence SR-22 rates, ways to improve your insurability, and what to do if your SR-22 insurance is too expensive to help you find the best coverage. Remember that these high insurance burdens are temporary. Focus on the immediate future and establish a longer record of responsible driving to regain lower rates down the road.

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Which States Are the Most Strict on DUIs?

Driving under the influence (DUI) is a serious offense that can have life-altering consequences. From hefty fines and license suspension to potential jail time and even loss of life, the repercussions of driving while impaired cannot be overstated.

Each state in the US has its own set of laws and penalties regarding DUIs, leaving many people wondering which states have the strictest regulations in place. Here are a few of the strictest states when it comes to DUIs.

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