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www.modesto.auto-insurance-advertising.com Modesto is the county seat of Stanislaus County, California. With a population of approximately 211,156 as of April 2009, Modesto ranks as the 16th largest city in the state of California. Modesto is located in Northern California, 92 miles east of San Francisco, 68 miles south of the state capital of Sacramento and 66 miles west of Yosemite National Park. Modesto, a 29-time Tree City USA honoree, is surrounded by some of the richest farmland in the United States, lending to a ranking for the county as 6th among all California counties in farm production. Led by milk, almonds, chickens, cattle, and walnuts, the county grossed nearly $2.5 billion in agricultural production in 2007. Locally, Modesto is home to the critically acclaimed Gallo Center for the Arts, the Modesto Nuts (a Colorado Rockies MLB affiliate) and the Amgen Tour of California, which in 2009 saw cycling legend Lance Armstrong cross the finish line. The Xclamation Festival, X-Fest, has become the city’s largest entertainment and cultural gathering, recently celebrating its 10th year. The event in 2009 had an estimated 16,000 attendees enjoy music and food on the streets of downtown Modesto. Lately Modesto has also scored in the top ten worst places to live due to its high cost of living, high unemployment, long commutes and high crime rate. Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident. In the United States, auto insurance covering liability for injuries and property damage done to others is compulsory in most states, though enforcement of the requirement varies from state to state. The state of New Hampshire, for example, does not require motorists to carry liability insurance (the ballpark model), while in Virginia residents must pay the state a $500 annual fee per vehicle if they choose not to buy liability insurance. Penalties for not purchasing auto insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states. Usually, the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle. Some states, such as North Carolina, require that a driver hold liability insurance before a license can be issued. Arizona Department of Transportation Research Project Manager John Semmens has recommended that car insurers issue license plates, and that they be held responsible for the full cost of injuries and property damages caused by their licensees under the Disneyland model. Plates would expire at the end of the insurance coverage period, and licensees would need to return their plates to their insurance office to receive a refund on their premiums. Vehicles driving without insurance would thus be easy to spot because they would not have license plates, or the plates would be past the marked expiration date.