Traffic Tickets Can Ruin More Than Your Day

By Jason Alderman

We all know that sinking feeling when you get pulled over for a traffic violation. If you're lucky, you might just get a "fix-it" ticket for a broken tail light. But what if it was a more serious offense, like speeding or reckless driving? Depending on your driving record, you could get slapped with a sizeable penalty or even a jail sentence - and your insurance rates will almost certainly go up.

Let's say you absentmindedly ran through a stop sign or made an illegal left-hand turn. You'll probably know right away how much the ticket will cost, but it could take months before your insurance company receives notice of the infraction and adjusts your premium.

If the suspense is killing you, Insurance.com has a handy tool called the "Uh-Oh! Calculator" that estimates the average rate increases for the 14 most common traffic violations. And, if you enter your age, ZIP code, residence type, marital status, length of time with your insurance carrier and current premium, the calculator will generate a more customized estimate based on your personal data.

Some of the average premium increases are pretty shocking:

  • Reckless driving: 22 percent
  • DUI first offense: 19 percent
  • Driving without a license or permit: 18 percent
  • Careless driving: 16 percent
  • Speeding 30 mph over the limit: 15 percent
  • Failure to stop: 15 percent
  • Improper turn: 14 percent
  • Improper passing: 14 percent
  • Following too close/tailgating: 13 percent
  • Speeding 15 to 29 mph over limit: 12 percent
  • Speeding 1 to 14 mph over limit: 11 percent
  • Failure to yield: 9 percent

If you plug in your personal data, the calculator will tell you how many points will be added to your driving record per infraction, as well as information on the state's rules for when driving privileges can be suspended or revoked.

Another company, DMV.org, features a "Ticket Fines and Penalties" tool that provides an even more detailed state-by-state analysis of what various infractions can cost, procedures for paying - or challenging - your ticket, how points are calculated, how long it takes to clear infractions from your record, links to local traffic schools and much more.

So, assuming you're not going to challenge the ticket in court, the damage has been done and your insurance rates will likely climb - what can you do to lower your premium? Here are a few tips:

  • Investigate whether attending traffic school will erase the ticket from your record.
  • When your policy is up for renewal, get rate quotes from at least three carriers. Talk to an insurance agent or use an online comparison site - just be aware that not every carrier participates in these sites and make sure you're comparing apples to apples, since companies often package coverage differently.
  • Another reason to comparison shop: Insurance companies calculate risk differently, so particular traffic infractions might trigger varying increases, depending on the carrier.
  • Increasing your deductibles from $250 to $1,000 might lower your premium by 15 to 30 percent.
  • Ask about discounts for things like low annual mileage, being over a certain age, good grades, vehicle safety features or buying your homeowners or renters insurance from the same company.

The best way to avoid traffic violation-related rate increases is to not break the law in the first place. But if that horse has already left the barn, arm yourself with information about coverage costs and how you might be able to lower your rates.

PORT BYRON, IL - The Nick Teddy Foundation, in partnership with First Wealth Financial Group of Clinton, Iowa, reminds folks to register early for the 2013 "Nick Teddy Fight Against Ewing's Sarcoma 5K."

Runners have until Sunday, September 1, to register for the event at the discounted rate. If runners miss early registration, they still will be able to register online until Friday, September 13th, or sign up at the event on race day, but a $5 late fee will apply.

More than 75 participants have already registered to hit the pavement. Proceeds will benefit sarcoma research through the Liddy Shriver Sarcoma Initiative, and provide support for local Ewing's patients and their families.

The Nick Teddy Foundation was established in memory of Port Byron native Nicholas Theodore Strub, 29, who fought a courageous 5-year battle against Ewing's sarcoma. The rare pediatric bone cancer currently affects several area children and young adults.

More information, can be found online at: http://www.NickTeddy.org, on Facebook (http://www.facebook.com/NickTeddyOrg); on Twitter (http://www.twitter.com/NickTeddyOrg).

MOLINE, Ill. (August 27, 2013) - The Quad City Mallards have entered into an affiliation agreement with the National Hockey League's Minnesota Wild and the American Hockey League's Iowa Wild, the Mallards announced today.

"We are excited to announce a new affiliation agreement with the Quad City Mallards," said Minnesota Wild assistant general manager and Iowa Wild general manager Jim Mill.  "The Quad Cities area is a great hockey market and provides the Minnesota Wild organization with another first-class option to develop our players."

Under the affiliation agreement, the Mallards will serve as a resource for the development efforts and personnel needs of both the Iowa and Minnesota Wild.  The agreement allows for Wild prospects to be assigned to the Mallards for developmental purposes throughout the season.

"We are very excited about the opportunity to work with both the Minnesota and Iowa Wild," said Mallards president Bob McNamara.  "The Wild is a strong organization and we are pleased they have recognized the Mallards and coach [Terry] Ruskowski can be valuable assets for their player development system.  We are looking forward not only to working with Wild prospects and playing our part in their development but also to giving the fans of the Quad Cities the opportunity to see those players take the ice for the Mallards."

The Minnesota Wild first took the ice in 2000 and has since proven to be a model of consistency, posting winning records in nine of the last ten seasons.  The Iowa Wild is approaching the start of its first AHL campaign.

The Mallards will open their seventeenth season- and their fourth in the Central Hockey League- when they host the Rapid City Rush on Saturday night, October 19.  Mallards 2013-14 season tickets as well as half season tickets and flex packs are now on sale.  The Mallards offer ticket packages to meet any budget and season ticket holders also receive a host of additional benefits, including a unique season ticket holder Mallards jersey.  More ticket package information is available by calling the Mallards at 309-277-1364 or emailing info@myqcmallards.com.

About the Quad City Mallards
The Quad City Mallards are approaching their seventeenth season and their fourth in the Central Hockey League (CHL).  One of the winningest teams in all of minor league hockey, the Mallards competed in the United Hockey League (UHL) from 1995 through 2007 and in the International Hockey League (IHL) in 2009-10.  The Mallards' proud history has seen them capture the UHL's Colonial Cup Championship three times (1997, 1998, 2001) and secure that league's Tarry Cup four times (1998, 2000, 2001, 2002) for the best overall regular season record.  In 2001, the Mallards made professional hockey history, recording their sixth consecutive season with 50 or more wins, a feat that has yet to be matched.  The i wireless Center provides a unique environment for hockey and features one-of-a-kind seating areas such as the Nest for groups and functions and the exclusive Drake Club.  For more information on the Quad City Mallards or for Mallards tickets go to www.myqcmallards.com.  Fans can also follow the Mallards via Twitter at twitter.com/myqcmallards and on Facebook at http://www.facebook.com/quadcitymallards

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Ticket information forthcoming for Sept. 4 playoff opener at Modern Woodmen Park

 

BURLINGTON, Iowa (AUG. 25, 2013) - Quad Cities River Bandits right-handers Mark Appel, Jamaine Cotton and Patrick Christensen combined to allow one run on four hits to the Burlington Bees, and Rio Ruiz and Roberto Pena each homered in a 5-1 victory that clinched the team a playoff berth Sunday afternoon at Community Field.


Quad Cities (37-24 second half, 75-55 overall) won its fourth straight game to become the first Midwest League team to clinch a second-half playoff berth. The River Bandits will open the postseason Wednesday, Sept. 4, at Modern Woodmen Park against either Cedar Rapids or Beloit - both first-half qualifiers. With a loss by Clinton (31-31, 64-67) Sunday in Beloit, any combination of Quad Cities wins and Clinton losses adding to two will seal a first-round match-up for the River Bandits with Cedar Rapids (42-20, 82-48).

 

As they did in Saturday's series opener, the River Bandits took a first-inning lead. Second baseman Tony Kemp drew a leadoff walk against left-hander Tyler DeLoach (5-5), and shortstop Carlos Correa drilled an RBI double over right fielder Julio Concepcion.

 

Appel (3-1) allowed the Bees' only run in the bottom of the first inning, as shortstop Angel Rosa singled off the glove of first baseman Bobby Borchering and scored on Bees first baseman Wade Hinkle's two-out double to left field. Appel worked around a pair of second-inning walks by getting a ground-ball double play and responded to lone baserunners each of the next three innings with inning-ending strikeouts. He finished five innings for the third time this season while allowing four hits and three walks with three strikeouts.

 

The score remained 1-1 until one out in the top of the fourth inning, when Ruiz lifted a fly ball over the left-center field fence for his 11th home run and a 2-1 lead. Two batters later, Pena hit his fifth home run over the left-field fence to make it 3-1. Quad Cities extended the lead in the fifth inning, as center fielder Teoscar Hernandez hit a one-out single and went to third base on a two-out single by left fielder Danry Vasquez. When Rosa tried to catch Vasquez rounding first base, the ball got away, allowing Hernandez to score. Borchering then greeted right-hander Andres Perez with a popup that dropped between the pitcher's mound and home plate, allowing Vasquez to score.

 

The Bees were hitless following a fifth-inning leadoff single by catcher Sandy Martinez. Cotton started the sixth with a 5-1 lead and set down the first six batters he faced. An eighth-inning leadoff walk was all that kept him from three perfect innings. Christensen struck out the first and last batters in a 1-2-3 ninth inning to seal Quad Cities' first playoff berth since 2011 - the year of the franchise's fifth Midwest League Championship. The River Bandits have made the playoffs four of seven seasons as a Houston Astros affiliate.

 

Sunday's victory also means The Captain's Table at 4801 River Drive in Moline will offer The Captain's Table Victory Discount Monday, Aug. 26. Anyone who mentions the River Bandits victory can receive a free appetizer or dessert with the purchase of two lunches or dinners with beverages on Monday, Aug. 26. Quad Cities continues its series in Burlington at 6:30 p.m. Monday. River Bandits left-hander Josh Hader (2-0) will start against Bees left-hander Ryan Crowley (5-4).

 

UP NEXT: The River Bandits' final homestand of the regular season kicks off Saturday, Aug. 31, with a Dallas Clark Bobblehead Giveaway presented by Barrel House 211 and CBS4 when gates open at 5:30 p.m. for a 7 p.m. game. Fireworks will also follow the game. Single-game tickets are on sale at the River Bandits box office at Modern Woodmen Park, by phone at  563-324-3000 and online at www.riverbandits.com. Season ticket and mini-plan packages start at just seven games and begin at less than $50. Call a River Bandits account representative today to choose your seats and get the details of our various mini-plan packages.

 

ABOUT THE BANDITS: The River Bandits ownership is making one of the biggest improvements to Modern Woodmen Park since the ballpark was first built back in 1931! A new Ferris wheel, standing 112 feet over the playing field, is planned for next spring, along with a carousel and other new games and attractions. This season, the team just unveiled a new 300-foot long dual zip line, a rock climbing wall, a Mediacom Frog Hopper, and a number of new bounce houses. The team also boasts a new major league affiliate, the Houston Astros, and fans can see the first team in Minor League Baseball history with back-to-back No. 1 overall draft picks - 2012 top pick Carlos Correa and 2013 top pick Mark Appel, as well as 2012 first-round draft choice Lance McCullers. With new rides, new attractions, new improvements, a new affiliate and future major league stars, the second half of this season is one every fan will not want to miss!

 

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New Law Lowers Compulsory School Age from Seven to Six Years Old

CHICAGO - Governor Pat Quinn today signed a new law that lowers the compulsory school age for students in Illinois in order to ensure all children have the opportunity to build a solid foundation for academic achievement. The law will also help to combat truancy. Research shows that children who start school at an earlier age are less likely to drop out of school, be placed in special education or commit crimes, and more likely to attend college. Today's action is part of Governor Quinn's agenda to prepare every child for success in college, career and beyond.

"Today is a good day for our students and for the future of Illinois," Governor Quinn said. "The key to so many things in life is a quality education and this new law will ensure our students get an early start on their academic success."

Sponsored by State Senator Kimberly Lightford (D-Westchester) and State Representative LaShawn Ford (D-Chicago), Senate Bill 1307 lowers the compulsory school attendance age from seven to six years of age beginning with the 2014-2015 school year. Illinois joins 26 states that have set the compulsory attendance age at six years old. Eight states and the District of Columbia require students to begin school at age five. The law will also help to combat truancy.

Under the new law, any student turning six years old on or before Sept. 1 must be enrolled to attend school for that school year, starting in 2014. This legislation was introduced in part due to investigative reporting by the Chicago Tribune.

"Study after study has demonstrated that the earlier kids start school, the more likely they are to succeed," Senator Lightford said. "This law will help make sure all of our children are on the right path."

"This law will help children to develop the social and academic skills that will give them a better chance at success in the future," Representative Ford said. "It will also help to give children from disadvantaged backgrounds an equal opportunity to excel in the classroom. The early developmental stages are critical in a person's life, and Illinois cannot afford to put early education on the back burner."

The law will go into effect on July 1, 2014.

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Elkins finishes a home run shy of the cycle as Quad Cities reduces playoff magic number to 1

 

BURLINGTON, Iowa (AUG. 24, 2013) - Quad Cities River Bandits left-handers Brian Holmes and Mitchell Lambson combined to allow one run on six hits, while left fielder Danry Vasquez and second baseman Austin Elkins each had three hits in a 4-1 victory over the Burlington Bees Saturday night at Community Field.

 

Quad Cities (36-24 second half, 74-55 overall) won its third straight game and remained 4 ½ games behind first-place Cedar Rapids (41-20, 81-48) in the Midwest League Western Division second-half standings. With a loss by the Peoria Chiefs Saturday and nine games remaining in the regular season, the River Bandits can clinch a second-half playoff spot with one victory or one Peoria Chiefs loss.

 

The River Bandits took the lead in the first inning against Bees right-hander Pat Lowery (4-9). Shortstop Carlos Correa drew a two-out walk, and Vasquez singled, before first baseman Bobby Borchering lined an RBI single down the right-field line.

 

Holmes (5-3) allowed the Bees' only run in the first inning, as shortstop Angel Rosa lifted a deep solo home run down the left-field line with two outs. Holmes went on to scatter a total of six hits and one walk with five strikeouts while pitching six innings for the third time in four starts. Burlington only advanced two runners as far as second base after the first inning.

 

Quad Cities quickly retook the lead in the second inning, as Elkins drove a triple to the warning track in right field to start a day that ended with him a home run shy of the cycle. Catcher Roberto Pena grounded a ball that was bobbled by third baseman Garrett Cannizaro, allowing the go-ahead run to score.

 

The visitors added on in the third inning, as Vasquez hit leadoff single, Borchering was hit by a pitch, and third baseman Rio Ruiz hit an RBI double to left-center field for a 3-1 lead. After Lowery struck out Elkins, Pena and right fielder Jordan Scott drew consecutive walks to bring in a run. It ended Lowery's night after 2 1/3 innings in which he allowed four earned runs on six hits, three walks and one hit batter with three strikeouts. Bees right-hander Daniel Hurtado got the last two outs of the third and pitched 3 2/3 scoreless innings. The Bees used four relievers to shut out the River Bandits for 6 1/3 innings. Quad Cities left 14 runners on base.

 

Lambson started the seventh with a 4-1 lead and struck out six of the first seven batters he faced. After hitting designated hitter Exicardo Cayones with a pitch, he retired the last two batters on a lineout to right field and popup to first base for his first save of the season.

 

Saturday's victory also means The Captain's Table at 4801 River Drive in Moline will offer The Captain's Table Victory Discount Sunday, Aug. 25. Anyone who mentions the River Bandits victory can receive a free appetizer or dessert with the purchase of two lunches or dinners with beverages on Sunday, Aug. 25. Quad Cities continues its series in Burlington at 2:00 p.m. Sunday. River Bandits right-hander Mark Appel (2-1) will start against Bees left-hander Tyler DeLoach (5-4).

 

UP NEXT: The River Bandits' final homestand of the regular season kicks off Saturday, Aug. 31, with a Dallas Clark Bobblehead Giveaway presented by Barrel House 211 and CBS4 when gates open at 5:30 p.m. for a 7 p.m. game. Fireworks will also follow the game. Single-game tickets are on sale at the River Bandits box office at Modern Woodmen Park, by phone at  563-324-3000 and online at www.riverbandits.com. Season ticket and mini-plan packages start at just seven games and begin at less than $50. Call a River Bandits account representative today to choose your seats and get the details of our various mini-plan packages.

Honors the Courage of All Who Marched at Chicago's DuSable Museum of African American History

CHICAGO - Governor Pat Quinn today celebrated the 50th Anniversary of the historic March on Washington which led to the passage of major civil rights reforms for the United States. At Chicago's DuSable Museum of African American History, Governor Quinn reminded celebrants that the battle for social justice often requires direct action, and that those who "voted with their feet" in 1963 showed unparalleled courage and patriotism.

"Without 250,000 Americans peacefully gathering 50 years ago today under Abraham Lincoln's watchful eye, Congress might not have passed the 1964 Civil Rights Act or the 1965 Voting Rights Act," Governor Quinn said. "Today, we honor all who marched and remember the everlasting words that Dr. Martin Luther King has left us."

The March on Washington is known as one of the largest demonstrations for human rights in the nation's history. The march called for meaningful civil and economic rights reform and took place in Washington, D.C. on Wednesday, Aug. 28, 1963. It was there that Dr. Martin Luther King, Jr. delivered the historically significant "I Have a Dream" speech.

Governor Quinn will later attend the 7th Annual Civil Rights Game at Cellular Field, where the Chicago White Sox will take on the Texas Rangers. The Civil Rights Game - and the accompanying Major League Baseball Beacon Awards Luncheon - helps honor those who fought for equality both on and off the playing field.

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BOWLING GREEN, O.-Bowling Green State University celebrated its 277th graduation on Saturday, August 10. The total number of diplomas awarded was 917, including 343 degrees granted through the Graduate College. Among the graduates is Kathryn Robinson of Bettendorf with a Bachelor of Arts degree.

Quad Cities moves within 4 ½ games of Cedar Rapids and reduces playoff magic number to 3


DAVENPORT, Iowa (AUG. 23, 2013) - The Quad Cities River Bandits rallied from a 2-1, sixth-inning deficit with two-out RBI singles in the sixth and seventh innings by left fielder Danry Vasquez and right fielder Jordan Scottm respectively, to overtake the Cedar Rapids Kernels for a second straight game with a 3-2 victory in front of 6,913 at Modern Woodmen Park Friday night.

 

The River Bandits (35-24 second half, 73-55 overall) moved within 4 ½ games of the first-place Kernels (40-20, 80-48) in the Midwest League Western Division second-half standings. With a loss by the Peoria Chiefs Friday and 10 games remaining in the regular season, Quad Cities' magic number (any combination of Quad Cities wins and Peoria losses) to clinch a second-half playoff berth is three.

 

Cedar Rapids out-hit Quad Cities, 8-5, for a third straight game and also scored first for a third straight night. In the second inning against River Bandits left-hander Joe Bircher, Kernels right fielder Adam Brett Walker hit a leadoff single. A wild pitch allowed Walker to move up two bases, and catcher Bo Altobelli drove home the run with a single to left field.

 

Quad Cities tied the game in the third inning against Kernels right-hander Hudson Boyd (4-5). Catcher Jobduan Morales drew a one-out walk, moved to second on a groundout and scored on a single by designated hitter Tony Kemp.

 

Cedar Rapids retook the lead in the sixth, as center fielder Jonathan Murphy hit a leadoff triple and scored on a one-out error by second baseman Austin Elkins. After Walker singled to put runners at first and third, Bircher got first baseman Mike Gonzales to hit into a fielder's choice at home. Bircher was removed after 5 2/3 innings with seven hits allowed, two earned runs and two strikeouts.

 

Right-hander Andrew Walter (1-0) struck out Altobelli to end the sixth inning and retired seven straight batters while his teammates took the lead. Walker led off the ninth with a single, but Walter got a forceout on a bunt attempt, strikeout and flyout to end the game. He completed 3 1/3 innings with one hit allowed and five strikeouts. Quad Cities pitchers did not walk a batter for second straight game.

 

In the sixth, center fielder Teoscar Hernandez hit a one-out single and moved to second on a groundout, before Vasquez singled to center field for the game-tying run. In the seventh, Elkins was hit by a pitch with one out, moved to second on a groundout, and scored on Scott's single to center. Boyd allowed four hits and three earned runs in season-high seven innings with two walks and four strikeouts.

 

Friday's victory also means The Captain's Table at 4801 River Drive in Moline will offer The Captain's Table Victory Discount Saturday, Aug. 24. Anyone who mentions the River Bandits victory can receive a free appetizer or dessert with the purchase of two lunches or dinners with beverages on Saturday, Aug. 24.

 

Quad Cities begins a four-game series in Burlington at 6:30 p.m. Saturday. River Bandits left-hander Brian Holmes (4-3) will start against Bees right-hander Pat Lowery (4-8).

 

UP NEXT: The River Bandits' final homestand of the regular season kicks off Saturday, Aug. 31, with a Dallas Clark Bobblehead Giveaway presented by Barrel House 211 and CBS4 when gates open at 5:30 p.m. for a 7 p.m. game. Fireworks will also follow the game. Single-game tickets are on sale at the River Bandits box office at Modern Woodmen Park, by phone at  563-324-3000 and online at www.riverbandits.com. Season ticket and mini-plan packages start at just seven games and begin at less than $50. Call a River Bandits account representative today to choose your seats and get the details of our various mini-plan packages.

FLAGSTAFF, AZ (08/23/2013)(readMedia)-- Elizabeth McCorkle, a Northern Arizona University SecEd-Earth Sci (BSED) major and resident of Hillsdale, IL, was among more than 4,500 students who made the Dean's List for the spring 2013 semester.

Founded in 1899, Northern Arizona University has established a lasting legacy of educating students to help them make a difference in the world. With an expansive Extended Campuses program, the university has an undergraduate enrollment of approximately 20,000 students located at more than 30 sites across Arizona or online. The university is a leader in integrating sustainability into university policies and educational curriculum highlighted by the Platinum LEED-certified Applied Research and Development building, the third-greenest building in the world. More information is online at nau.edu

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