auto insurance quotes comparison 101

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How to Compare Auto Insurance Quotes Online and Save Money

I decided to write this page about the importance of auto insurance quotes comparison because I just saved $450 on my auto insurance coverage this year and I wanted to share my tips with you. The money saved we spent on a Disney family vacation.

Compare car insurance quotes in 3 easy steps:
1) Call you insurance company and ask if they can lower your insurance premium.
2) Switch carriers. Go to a few car insurance comparison websites, obtain 2-3 quotes form different companies in your city, compare rates.
3) Take advantage of discounts. Multiple car discount, safe driver discount, multiple policy discount are just a few discounts you can qualify for.

How I Saved $450 on Car Insurance

My Progressive vs. Geico Story

My annual premium with Progressive was $1,340 for one car, which is more than seven years old. So I called Progressive before my latest premium was due. I spoke with an agent and asked her if there was anything the company could do to lower my monthly payments. A safe car discount maybe? (I haven't had any accidents in the past 5 years). They said no. So I got a quote from a different company, which was $450 lower than my progressive premium! and switched carriers on the same day.

How Do You Compare Quotes?

It's time to renew your insurance policy and you start shopping around looking for a lower quote.

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How Online Auto Insurance Quotes Comparing Can Save You Money

Get a quote from two or three other companies before you buy

When was the last time you shopped for car insurance? Next time your bill comes due, I strongly recommend obtaining auto insurance quotes from two or three other insurers.

What to do if you're involved in an auto accident

Follow these steps

Got into an accident? What to do next
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Got DUI?

Trial costs

The date set for trial, by the arraignment court, will no doubt change many times, as it is postponed by either side because of vacationing witnesses, conflicting work schedules of attorneys, illness, and/or the necessity for additional time in plea bargain attempts which might result in the cancellation of the trial.

When all efforts have failed to reach agreement, the trial date will stand firm, or at least within the concept of "trailing"-a standby position for use of the court. The court may be in the midst of a prolonged trial, and a waiting or trailing period may last 3-5 days and more. There is no assurance that your own trial will proceed when the courtroom becomes available. Your own case might be pre-empted by the scheduling of another trial.

Trailing may go on indefinitely while all those involved remain on standby alert. It is a difficult time for the expert witnesses, private attorneys and defendants in terms of loss of income due to time away from other affairs. Eventually the case will be called for trial, and jury selection begins with both sides given the privilege of "challenge" to any juror. Finally, it will be assumed that both sides are mutually content with those selected.

It is rare for the defense to be represented by private counsel, since even those who can afford to sustain the $3000-$4000 legal and expert witness fees, elect to plead guilty to a lesser charge and pay the comparatively small fine of $250-$500.

Deputy Public Defender and Assistant District Attorney both paid by the State, with unlimited funds at their disposal to hire expert witnesses for testimony, add a third dimension to the drama. Idealistically they both believe in their own conception of a just verdict for the defendant on trial, and will strive toward achieving that goal. They have prepared well and will do combat on the legal chessboard with all the skill and ability they possess.

They are also concerned with a personal record of achievement, and the approval of superiors, for a job well done-and a winning verdict. They are anxious about personal personality performance, and the thrill of victory over a qualified adversary. And they have come armed to the teeth with evidence and expert witnesses.

DUI Trials: Informed Drivers

Be informed

Some experts in the field of chemical analysis of blood alcohol resulting from a breath sample specialize in giving testimony for the Defense, while others appear consistently for the prosecution. Some offer their services to either side. Since there is no license issued specifically under the title of "expert witness" in the field of breath samples and analysis, the term "expert" applies only to the witness qualifications, and the attorneys on both sides will attempt to discredit those qualifications.

So often an expert in blood alcohol analysis will feel as if he/she were on trial, during a fierce exchange in cross examination. Whether or not the expert is in fact discredited, remains a personal choice for each juror.

It is not unusual for Defense and Prosecution Attorneys to be one and the same individuals who have opposed each other at other D.U.I, trials. Nor is it unusual for the same judge to be presiding, and the same set of expert witnesses testifying. A rematch so to speak with only the defendants, jurors and circumstances changed.

Testimony of experts can become quite complicated and technical, powerful stuff in an otherwise weak case. The presentation, examination and cross examination of experts is child's play to experienced D.P.D's and A.D.A's.
D.U.I, trials require approximately five days for completion, including a jury's deliberation time out for deciding the case. More complicated cases take that much longer. After reaching a verdict, and returning to the court room, they will be released following the announcement of that verdict.

A "not guilty" verdict will bring a sigh of relief to a defendant who might feel as if he/she had played poker all night, and broke even. The court will then consider an assessment for legal fees. This amount could exceed what the maximum amount of a fine could have been, on a verdict of guilty, or a plea of guilty to a lesser charge. Or-there may not be any assessment at all and the defendant would have only sustained the cost of bail commission, impound costs, and loss of income. Emotionally he would have been put through the wringer. The victory is shallow and anticlimactic. But it will serve the educational purpose of teaching a drinking driver the valuable lesson: "Don't let this happen Again"-
A verdict of guilty, to a disappointed defendant will bring about the penalty phase of the trial. It may take place upon conclusion or at a later time, if requested. The judge may consider all the accumulated costs to the State in presenting the trial, and reflect this in the sentence.
If you are the unlucky defendant you might look forward to a maximum fine allowed by law, and an assessment for Public Defender legal fees, if your financial condition warrants it. Sometimes even if it doesn't, the court may impose a payment schedule, a time payment plan to cover the amount assessed.

Additionally, probation and possible attendance into a rehabilitation program may be imposed. The sentencing generally, will tend to be a bit harsher than it might have been, had you agreed to a plea of guilty to a lesser charge, and saved the State the time and money which the trial cost.

You may choose to serve a jail sentence in lieu of paying the fine and/or assessment, or you may desire to bring the case up "on appeal". You are guaranteed the right of appeal by law, but you will learn that it is not so easy.

by

andrewsullivan37

I'm a forty three year old school teacher, husband and golf player. My own savings on auto insurance was the inspiration and motivation behind this le... more »

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