This law can change from state to state. It is best to check with your state's laws to see if you would be ticketed for driving someone else's car that has no insurance.

It probably won't effect either one. A parking violation is not considered a moving violation and therefore it will not effect your insurance. I don't think it will count as points on your drivers license either.

No, your insurance can't be raised by $100.00 just because you are a woman. There are a lot of factors involved with the way your insurance is priced.

This is a good question but different insurance companies use their own rating systems to classify the risks they insure. I know of one company that uses 88 different classification codes for auto insurance. Certain I can give you a few which are: age, sex, marital status, moving violations (3yrs.), zip code where you reside, type of education, type of job, number of years licensed, prior claims (3yrs.), insurance credit score, years in residence, own or rent, and many many more. Not all companies use all these factors and other companies use more than these.

Any moving violation, including disobeying a traffic control device can effect your insurance premiums

Everything stays on your record for as long as you have a drivers license active. Most insurance companies only rate for 3 years which means that is how long it will effect your insurance rates.

That depends on a number of factors, such as your age, driving record, state, insurance company, average distance driven on it each day, etc.

No, they can't. In a few states, the law allows them to accept payment when they issue a ticket. I think this is incredibly wrong and set up for fraud and police abuse. I have been stopped and was given the option of paying the police officer in South Carolina. I refused and said I would speak to the Judge. I later found out that the Police Officers took turns being the Judge for Traffic Court. Even in this situation, they allowed me to pay the fine without having the ticket go onto my record. And they kept their word as I have the ability to check my record as the owner of an agency.

No. Arizona requires at least liability insurance of a minimum of 15/30/10. This is far too low limits for anyone to take the risk of driving. You will find that it costs very little to carry higher limits than this. These limits mean if you hit someone your insurance coverage is limited to $15,000 per person for bodily injury, $30,000 maximum per accident, and only $10,000 of property damage. You can do $10,000 damage in a minor accident. What if someone is hurt in the vehicle you hit? You will have to pay out of your pocket for anything above these minimum limits. And these limits will not pay anything for you, your passengers, or your damaged vehicle. If total a Ford that belongs to someone else, you could ow almost $40,000 out of your pocket, not counting injuries, work loss, hospital bills, ambulance bills, etc.