Posts tagged Instances

Affordable Teen Car Insurance Rates in Houston Texas

Dec 5th

Posted by author in Teen Insurance

Reader’s Question:

My teen daughter already got her license and I’m adding her up to our car insurance here in Houston, Texas. What exactly do I need to do to ensure that I won’t have a sky high car insurance rates increase?

Cale

Houston, TX

I have to be frank with you that the car insurance rates for your teen daughter will not exactly be as cheap as you want them to be. However, it is a great idea that you just want to add her up to your existing car insurance policy there in Houston, Texas. You could be able to ask your car insurance provider if they can offer you discount for being a good driver and for having multiple cars under one policy since you are adding up your teen daughter. They can also be able to offer your daughter a good student discount if she has an average of at least 3.0 in school. This kind of discount is intended for teenagers to young adults aged 23-25. So in some instances, it will be a great idea for you to include your daughter in your car insurance policy.

If you are planning to buy a car for your teen daughter, you may opt to get older model cars because they normally cost less to insure since their parts are not too costly. This means lower risk of the car insurance company so you will have lower cost car insurance premiums. So in case you decide to get an older vehicle, you may opt not to get comprehensive and collision coverage so that your car insurance rates would be cheaper.

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Cheap Drunk Driver Insurance Rates in Houston Texas

Oct 14th

Posted by author in Houston DUI Insurance

Reader’s Question:

They say that my auto insurance rate would increase after my DWI here in Houston, Texas. Is there a law that regulates the rates that are being charged for an auto insurance?

Kade

Houston, TX

Auto insurance providers often increase their premium rates after a DWI or drunk driving conviction. This increase would be by as much as two or three times the current insurance rate that you have. In most instances, this would simply be price gouging as the statistical occurrence of crashes caused by a convicted driver who has first-time DWI is far less than the level that would justify the increases. There are actually no laws that regulate the insurance rates charged after a DWI, but they differ greatly from company to company and definitely justify shopping around.

Getting affordable vehicle insurance after a DWI conviction, or even after an arrest, could be a very difficult situation. A lot of the bigger insurance companies would likely not offer you auto insurance after your DWI in Houston, Texas at any rate. The smaller insurance carriers are commonly more willing to provide coverage but at a higher rate. But the simple fact is that the increased rates charged for people with DWI on their history would differ from one provider to another. Get a quote from this website and you will find an affordable auto insurance that you need.

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How Accurate is a Houston Texas DUI Breath Test?

Aug 13th

Posted by author in Blood alcohol level tests

Reader’s Question:

I have been helping my brother through his DUI case in Houston, Texas for months now. I’ve done a good deal of research on this and I know that police officers are supposed to do tests on you on the spot if you’re suspected of DUI like the breath test. My brother says it took about more or less an hour for the police officer to do a breath test. Can this affect the accuracy of their charge against my brother’s case?

Frances

Houston, TX

You’re right to suspect the inaccuracy of the tests used for DUI arrests especially on how they’re applied. The breath test, the most common test that people take once they are taken to the police station, is already highly susceptible to error. If this test is not taken immediately or the timing was inaccurate, then it will not accurately measure the blood alcohol content and this can turn the tide on your brother’s DUI case. There are a lot of instances like this, especially in densely populated areas such as Houston, Texas, where the accuracy of the breath test alone has been the factor for judges to dismiss DUI cases.

For example, most testers assume that your normal breath temperature should fall on a certain level but studies have shown that some people can have higher breath temperatures due to many other factors that may not have anything to do with being intoxicated.

Your metabolism also plays a big role in how fast it absorbs and gets rid of the alcohol in the body, a slower metabolism means that you can still fail the breath test even if it’s been hours since your last bottle, this can be helpful in arguing your brother’s DUI case if you suspect him having slow metabolism. One should not be tested within 15 minutes after vomiting, hiccupping or belching since these increases the amount of alcohol in your breath. Dentures can trap the alcohol in your mouth too. I suggest you get a good idea if your brother’s using any products or medications that can have other chemical compounds that can come up as alcohol since the tester only detects part of the alcohol molecule called the methyl group and this can inflate the result of the test to your brother’s disadvantage.

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