How Long Will a DUI Affect My Insurance?

DUI Affect Insurance

 

 

How Long Will a DUI Affect My Insurance?

If you are convicted of a Driving while Under the Influence (DUI) charge – it’s likely that your auto insurance rates will rise. The amount of time you pay a higher rate depends on your state. DUIs can be complicated and it won’t always affect your auto insurance rate right away. The best thing is to NOT drive while under the influence of alcohol or drugs (even legal marijuana or other drugs – legal or not).

However, if that happens to you or a loved one, let’s explore advice on how to keep your rates down.

First, here are other tickets that affect your insurance rate VERY negatively:

  1. Wet reckless driving (a lesser charge than a DUI)
  2. Dry reckless driving (no alcohol/drugs – but endangering lives)
  3. Excessive speeding (going excessively higher than limit/traffic)
  4. Street racing

A DUI will affect your rates for as long as your state allows. Let’s look at a couple of examples. In California – the state legislature recently expanded the length of time that a DUI stays on your record – to 10 years. And a DUI (on average) will increase your rates about $800 a year. So that could be $8,000 MORE in costs. For Ohio – the DUI never leaves your record and can affect your rates for several years as well. If you’d like to see what your state does, click here: https://wallethub.com/edu/dui-penalties-by-state/13549/

If you are wondering why your insurance rates would go up with a DUI, it’s important to remember that DUI’s are to blame for almost 30% of ALL fatal car accidents. So when you get a DUI – you are considered a very high risk driver. The likelihood that you could cause a “worst case” scenario and kill yourself or another driver/passenger has skyrocketed (as far as the insurance companies’ statistics go).

You might ask yourself: “how can I lower my insurance rates?” – it’s very tempting to lower your liability coverages (the money that the insurance company will pay out if you injure or kill another person) but please, DO NOT SAVE MONEY THAT WAY! If you lower your liability – you could face a lawsuit in the future that might bankrupt you and your family.

In most states, your wages can be garnished for a couple of decades to pay off the medical bills you might cause. Your assets (money, equity in a home, savings, stocks, rental properties, etc.) could be frozen and taken away to pay pain and suffering/medical bills – if you cause an accident.

Instead, here are a few ways to lower your insurance cost and still protect your wages/assets:

  1. Raise your deductible
  2. Lower your property coverage
  3. Take off “luxury” coverages (towing/rental car)
  4. Consult with an insurance professional

Do not randomly go onto the internet and start trying to lower your insurance costs. At a time like this, it is vital that you consult with a licensed insurance professional in your state. They can give you priceless information on ways to protect you and your family until the DUI process is done.

You might be asking “Do I have to tell my insurance company when I get a DUI”? The generic answer to that is no – because in general, insurance companies will not increase your rates midterm. The insurance firm will typically re-run your DMV record as you get close to renewal and then they either offer you a new term at the new price or they deny you coverage. The DMV itself will alert the insurance company that you were convicted of a DUI and your rate will increase at renewal.

With this information in your hands, you should be proactive and consult with your insurance professional ahead of time – so they can help you find the best coverage with an appropriate rate. Most insurance agents have access to several options for you, and by working WITH your agent – you can get ahead of the renewal, as well as a decline or huge rate increase. A knowledgeable, licensed agent that you can meet with in person can be a real asset during this time.

 

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Do I need life insurance? I’m Young!

 

Buying life insurance when you are young is probably one of the smartest financial moves you can make! Life insurance is the ONE insurance that WILL pay off – because we all die!

With that said, it’s important to understand that the only insurance that will be paid off is one called “permanent” (v. term) life insurance. A permanent policy lasts all your life and is the least expensive when you are young and healthy. There are all kinds of permanent policies – so give me a call and we can discuss which one might be best for you at this time in your life. Young and healthy folks can usually get a wonderful, “whole lifetime” policy that fits well within your budget.

Here are 5 good reasons why a young person should consider a life insurance policy:

 

1. Mortgage protection

We already talked about matching your mortgage loan with a life policy above. There are even products out there that “diminish” over time – so that the protection decreases as the mortgage balance goes down. These are extremely inexpensive but could drastically change your life if you (or your spouse) passed away unexpectedly. Imagine the grief your partner (and children) would experience on TOP of your death if they ALSO lost their house during the same time! Life insurance that pays off the house is the BARE minimum type of insurance that any responsible home owner carries. With that said, I would NOT advise you to buy typical mortgage protection offered by the bank. When you buy your own, portable term insurance, you can take it with you when you move and keep the same, low rate as when you initially applied.

2. You have debt (and your parents are co-signers)

Many young folks have to take out loans in order to finish college. If your parents were kind enough to co-sign for you, please make sure you (or they!) take out a life insurance policy for the same time limit (term). It would be tragic if you died and your aged parents had to grieve AND go bankrupt. This can easily be avoided with a very reasonable policy. So as an example, if you have a student loan of $30,000 for 10 years – you can get a term loan for the same amount ($30,000) for 10 years. This type of loan insurance would be less than $10 a month. Well worth the investment and peace of mind.

3. You make a lot more money than your sweetheart

Let’s face it – often one partner makes a lot more (or less) than the other person in a relationship. Often the “bread winner” stays in the same career and in the job market and eventually makes a LOT more than the partner that stayed home with the kids. But that doesn’t mean the SAH (stay at home) mom/dad isn’t valuable! If the SAH person passes away, who is going to take care of the kids and help keep the household stable during the grieving period? And if the money-earner passes away, your family is going to be in SERIOUS financial ruins if the breadwinner doesn’t have an excellent policy in place. Sure – most work places offer a small life insurance (enough to get you buried and pay your salary for a year or two). But what then?! Don’t force your family into moving back with mom/dad or to another state. Buy life insurance. It’s very reasonable when you are young and healthy.

4. You are YOUNG. You are HEALTHY. You is smart… You is kind…

I know you might be repeating that line from the movie in your head right about now… but seriously, life insurance is the LEAST expensive (and you can lock in the rate for a very long time or forever!) when you are young and healthy. Chances are you WILL buy life insurance sometime in your life, especially if you are going to buy a house and/or have children. So get some now for your WHOLE life. Even if it’s the minimum (which is usually about $150,000 for a permanent policy). That way you HAVE it while you can GET it and get it at the bargain basement price. You can always add more as you add kids and homes. Not to mention – you *may* not always be so healthy.

5. Time is on your side.

When you are in your twenties (or thirties, perhaps even your forties) retirement and the end-of-life seems a long time away, and it is! You have the possibility of TIME to build up a very nice nest egg using the proper life insurance that builds up cash. Today’s policies range from very safe (very low interest) to investment grade (risky, but with the potential to earn a lot!) tied to stock indexes (like the DOW or S&P500).

It’s smart to seek out the advice of a professional insurance agent and let us help you explore the various options that might work best for you and your budget. Give me a call today and let’s set up a time so you can learn your option.

 

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Shopping For Car Insurance 101

Shopping for car insurance can be a daunting task, which is why many people stick with a policy that may be more expensive than they should be paying.  It does take some time and effort to get good, accurate quotes for your insurance, but the payoff can be lower rates and in some cases even better coverage.  If you are ready to shop for car insurance, here are the things you need to know.

 

The Internet Isn’t The Only Way

With new online quoting systems, you can easily obtain a lot of quotes in a short period of time.  This is a great advance and a perfect starting point for gathering some basic rate information.  The main problem with this is that the quotes are not always as accurate as they should be.  Online quoting systems can give you a basic idea of what you can expect to pay with each company, but they don’t usually gather all of the necessary information from you to provide the most accurate quote.  Start with internet quotes, but be prepared to dig a little deeper.

 

Know Your Coverage

When you start looking for auto insurance quotes, you should go in knowing what type and level of coverage you want.  Unless you can provide this information, your quotes can come in at varying levels of coverage based on either state minimums or the most popular coverage levels that company offers.  These may not be the right levels for you.  Spend some time learning about your coverage and what you actually need.  Chatting with an agent is a great way to determine this.  Armed with the right coverage levels, you won’t waste time on quotes that aren’t right for you.

 

Get Quotes In Writing

It is a lot easier to compare and contrast insurance quotes when you have them in writing in front of you.  Rather than simply writing down a premium number over the phone, ask to have the breakdown of the coverage and rates emailed or faxed to you so that you can look them over in detail.  When you have several quotes in writing it’s easier to spot discrepancies between the quotes.

 

Check Company Reputations

Before taking that quote that sounds like a dream come true, it’s a good idea to take a look at the company’s reputation and track record.  The internet is a great source for consumer opinions and reports and can help you to find out which companies are known for great customer service, and which fall short.  It’s also good to know which companies have a reputation for settling their claims quickly and to the satisfaction of their customers.

Remember that you are the consumer, and like any other major purchase, finding the right auto insurance takes a little time and investigation.  If you are willing to do the research, you are likely to be a lot happier with your

 

 

8 Things to Have in Your Car this Winter

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Winter can bring driving surprises, but things can’t ever get too bad if you are prepared. Here’s our list of the 8 things you should have in your car this winter.

  1. Windshield scraper and snow brush: A long-handled ice scraper with a soft-bristled brush will make it easier to clear your windshield, windows, mirrors and lights.
  1. LED Flashers/Flares:LED lights run for hours on their batteries and do a good job alerting other drivers if your car is on the side of the road (or off the road entirely). Flares are a good option, too, because the heat they put out prevents them from being covered in snow. Plus, in an extreme emergency you can use flares to start a warming or signaling fire.
  1. Emergency Phone Charger:You can’t call for help on a dead cellphone.  A hand-crankable phone charger will work anywhere, even if you are away from the car or if the car battery is dead, assuring that you can call for help (and talk as long as you need to) in any circumstance.
  1. Shovel:Even a compact folding shovel can help you dig your car out of the snow.
  1. Traction Help:Sand, or even kitty litter, under your drive wheels can provide the traction you need to get moving from a standstill. If you’re stuck, throw some down and you should be able to get out. Of course, having tire chains is best.
  1. Wool Blanket:Your car provides shelter, but you don’t want to run the engine if you have a limited amount of fuel and besides, if stuck in a snowbank, that snowbank may redirect deadly exhaust fumes into your car. For warmth and safety, use a wool blanket (it will keep you warm even if it gets wet).
  1. Food and Drink:It’s exceptionally rare for anyone to be stranded during a winter blizzard for more than a day, but keeping a few energy bars and a plastic bottle or two of sugary energy drink will be helpful and comforting (the electrolytes and sugars in the drinks lower the beverage’s freezing point, ensuring you’ll still be able to drink it when you need it).
  1. Windshield De-Icer:An extra bottle of de-icer can help keep your windshield clear, and in emergencies you can use de-icer to melt ice on the road or any frozen car parts.

I hope this information helps you prepare for the winter! I don’t know about you, but #5 surprised me. Who knew that kitty litter could help improve traction for your vehicle in snowy/icy conditions. Who needs salt when you have kitty litter?! Well, best of luck getting through the winter. Spring and summer will be here before you know it. If you are interested in learning more car preparation tips for the winter please fill out your contact info. below.

Thanks,

Jason Archer

Owner of the Archer Group – Farmers Insurance Agency

T: (973) 394 – 0212

My Website

 

Farmers Insurance Agent in NJ – Auto

Do you feel you are overpaying on car insurance? Do you think you could get better coverage for less?

Did you know that Farmers Insurance is one the top insurers in the state of New Jersey offering affordable insurance with great coverage? My name is Jason Archer and I am a Farmers Insurance Agent. I have created an online auto quote form specifically designed for people who are on the go. It is mobile friendly and has ONLY 10 fields of information to fill out which makes it super fast and easy!

After you fill out all your details and hit “Submit,” within 24 hours I will email you out the quote or send it to your cell phone which ever one is easier for you. Here is the link to fill out your no-obligation New Jersey car insurance quote with Farmers Insurance: Car Quote.

Watch this brief video below to see just how quick and easy it is!

See how easy it is to get a quote? Fill out your details below to see how you can save on car insurance!


Again my name is Jason Archer, and I am an agent with Farmers Insurance. If you have any questions or concerns regarding car insurance or other types of insurance please don’t hesitate to shoot me an email at jarcher@farmersagent.com or give me a call at 973-394-0212.  My website also has a lot of valuable information on it, so check it out if you get a chance. Visit: Jason Archer Farmers Insurance. I love visitors, so if you ever want to stop in, walk-ins are welcome! My agency is located at 300 Interpace Pkwy, Ste 400B in Parsippany, NJ 07054. See the map below for more details:

New Jersey Car Insurance Quote

Do you feel you are overpaying on car insurance? Do you think you could get better coverage for less?

Did you know that Farmers Insurance is one the top insurers in the state of New Jersey offering affordable insurance with great coverage? My name is Jason Archer and I am a Farmers Insurance Agent. I have created an online auto quote form specifically designed for people who are on the go. It is mobile friendly and has ONLY 10 fields of information to fill out which makes it super fast and easy!

After you fill out all your details and hit “Submit,” within 24 hours I will email you out the quote or send it to your cell phone which ever one is easier for you. Here is the link to fill out your no-obligation New Jersey car insurance quote with Farmers Insurance: Car Quote.

Watch this brief video below to see just how quick and easy it is!

See how easy it is to get a quote? Fill out your details below to see how you can save on car insurance!


Again my name is Jason Archer, and I am an agent with Farmers Insurance. If you have any questions or concerns regarding car insurance or other types of insurance please don’t hesitate to shoot me an email at jarcher@farmersagent.com or give me a call at 973-394-0212.  My website also has a lot of valuable information on it, so check it out if you get a chance. Visit: Jason Archer Farmers Insurance. I love visitors, so if you ever want to stop in, walk-ins are welcome! My agency is located at 300 Interpace Pkwy, Ste 400B in Parsippany, NJ 07054. See the map below for more details:

HOME and AUTO INSURANCE in Bergen County NJ

Do you live in Allendale, Harrington Park, Ramsey, Alpine, Hasbrouck Heights, Ridgefield, Bergenfield, Haworth, Ridgefield Park, Bogota, Hillsdale, Ridgewood Carlstadt Ho Ho Kus, River Edge, Cliffside Park, Leonia, River Vale, Closter, Little Ferry, Rochelle Park, Cresskill, Lodi, Rockleigh, Demarest, Lyndhurst, Rutherford, Dumont, Mahwah, Saddle Brook, East Rutherford, Maywood, Saddle River, Edgewater, Midland Park, South Hackensack, Elmwood Park, Montvale, Teaneck, Emerson, Moonachie, Tenafly, Englewood, New Milford, Teterboro, Englewood Cliffs, North Arlington, Upper Saddle River, Fair Lawn, Northvale, Waldwick, Fairview, Norwood, Wallington, Fort Lee, Oakland, Washington Township, Franklin Lakes, Old Tappan , Westwood, Garfield, Oradell, Woodcliff Lake, Glen Rock, Palisades Park, Wood-Ridge, Hackensack, Paramus, Wyckoff or Park Ridge?

My name is Jason Archer and I am a local Farmers Insurance agent in your area. My main focus is providing people with better coverage on their home and auto insurance for less. If you want to learn more about my business please visit my website. For an instant auto and home quote please text or call (973) 394 – 0212 or you can fill out your details online at Online Quote Form.

To learn more about our agency and what we do, please watch this brief video below:

Interested in stopping by? Check out the map below. Our office is located at 300 Interpace Pkwy, Ste 400B in Parsippany, NJ 07045.

HOME and AUTO INSURANCE in Somerset County NJ

Do you live in Bridgewater Township, Warren Township, Bound Brook, Manville, South Bound Brook, Franklin Park, Franklin Township, Basking Ridge, Raritan, Watchung, Gladstone, Belle Mead, Somerville, Bernardsville, Branchburg Township, North Plainfield, Far Hills, Martinsville, Hillsborough Township, Bedminster, Bernards Township, Montgomery Township, Green Brook Township, Millstone, Rocky Hill, Skillman, Lyons, East Millstone, Zarephath, Blawenburg, Middlebush, Griggstown, Harlingen, Bradley Gardens, Blackwells Mills, Green Knoll, Six Mile Run, Gladstone, or Clyde?

My name is Jason Archer and I am a local Farmers Insurance agent in your area. My main focus is providing people with better coverage on their home and auto insurance for less. If you want to learn more about my business please visit my website. For an instant auto and home quote please text or call (973) 394 – 0212 or you can fill out your details online at Online Quote Form.

To learn more about our agency and what we do, please watch this brief video below:

Interested in stopping by? Check out the map below. Our office is located at 300 Interpace Pkwy, Ste 400B in Parsippany, NJ 07045.

HOME and AUTO INSURANCE in Sussex County, NJ

Do you live in Hopatcong, Newton, Franklin, Highland Lakes, Stanhope, Hamburg, Ogdensburg, Sussex, Branchville, Andover, Silver Lake, Augusta, Glasser, Glenwood, Greendell, Lafayette, Layton, Mc Afee, Middleville, Montague, Sparta, Stillwater, Swartswood, Tranquility, Vernon, or Wallpack Center?

My name is Jason Archer and I am a local Farmers Insurance agent in your area. My main focus is providing people with better coverage on their home and auto insurance for less. If you want to learn more about my business please visit my website. For an instant auto and home quote please text or call (973) 394 – 0212 or you can fill out your details online at Online Quote Form.

To learn more about our agency and what we do, please watch this brief video below:

Interested in stopping by? Check out the map below. Our office is located at 300 Interpace Pkwy, Ste 400B in Parsippany, NJ 07045.

HOME and AUTO INSURANCE in Hunterdon County NJ

Do you live in Flemington, High Bridge, Clinton, Whitehouse Station, Lebanon, Glen Gardner, Frenchtown, Annandale, Stockton, Baptistown, Little York, Oldwick, Pittstown, Pottersville, Quakertown, Readington, Ringoes, Rosemont, Sergeantsville, Stanton, Three Bridges, or Whitehouse?

My name is Jason Archer and I am a local Farmers Insurance agent in your area. My main focus is providing people with better coverage on their home and auto insurance for less. If you want to learn more about my business please visit: My Website. For an instant auto and home quote please text or call (973) 394 – 0212 or you can fill out your details online at Get a Quote Now.

To learn more about our agency and what we do, please watch this brief video below:

Interested in stopping by? Check out the map below. Our office is located at 300 Interpace Pkwy, Ste 400B in Parsippany, NJ 07045.