Red Lights and Speeding Cameras (Part Two)

This is post two of two in a series explaining how the impact of new traffic cameras are influencing traffic safety and your rates.

Although many drivers feel that these cameras are more trouble than they’re worth, there is evidence that they truly are doing a bit of good. Studies have shown that the more dangerous side-impact collisions often seen at intersections have actually been reduced since fewer people are running red lights or stop signs. Not only have intersections with these cameras been affected, but studies seem to indicate that intersections throughout nearby areas have seen positive effects, even if they did not actually have cameras in that particular intersection. While many people have negative opinions about these cameras, they do seem to be having a positive influence on the way some people drive, which may keep them around for awhile.

If you have these cameras in your town, you may be wondering how getting ticketed via this medium will affect your  rates. Well, on the bright side, in some locations these tickets are only considered civil penalties and usually will not actually have an affect on your  rates; however, they should be a warning that you need to change some of your driving habits. Remember, having an accident, or getting a speeding ticket from an officer will actually raise your rates, so be sure that you take measures to drive safely and obey the law.

Red Lights and Speeding Cameras

This is post one of two in a series explaining how the impact of new traffic cameras are influencing traffic safety and rates.

With the emergence of red light and speeding cameras all over the nation, many people are feeling a bit like their privacy has been invaded. Many drivers have negative opinions about these cameras and feel like they’re merely a way for the government to make a bit more money. Whether you have a positive or negative opinion about the use of these traffic cameras, one thing is for sure, it’s one more reason to slow down and obey the law. Getting nailed by one of these new toys can not only hit your driving record pretty hard, it can also hit your pocket book via higher 

No longer are these special cameras seen only in the larger, metropolitan areas, they’re now being introduced in cities all across the nation, such as Akron, Ohio, Fairfax City, Virginia, and Scottsdale, Arizona. Many of the cities that have been implementing these new cameras feel like they’re proving to be very effective in encouraging drivers to take heed. In fact some cities have handed out thousands of tickets within a couple weeks as a result of these newly installed cameras.

These cameras actually work by not only taking a picture of the car that was in violation of the law, but they also take a close up picture of the license plate of the offending car as well. This allows them to find the driver’s personal information and mail you either a speeding ticket or a ticket for running a red light. Many people feel that the problem with these cameras is that there is no way to prove who was actually driving the car at the time, so you may receive a ticket, even if you were not the one driving your car. While in some states you can contest these tickets as to whether you were driving or not, other states still will hold you responsible regardless.

Car Accidents - A Problem Close to Home (Part Two)

This is post two of two in a series explaining the implications of living in a neighborhood where rates are unusually high.

While typically nobody is going to change where they live just to improve their  rates, there are some action items you can take to help reduce your rates if you find you truly do live in an area that does not shine brightly on your pocket book. Some of these suggestions tend to be no-brainers but many people in reality don’t take them seriously enough to make them a priority. First of all, you can make sure that you drive safely. Having an accident can make your  rates go up in a heartbeat. You should also do your best to avoid getting tickets, since this can adversely affect your rates as well. Cutting back the amount of miles you drive can get you a discount on your rates as well as parking your car in the garage full time, or even the driveway. A little bit here, a little improvement there can add up to big-time savings over the long haul.

Yes, surprisingly the majority of accidents do occur close to home, but this does not mean that you cannot still find reasonable rates on your rates. If you feel that you’re still paying too much  in your area, then take some time and check around, get some other price quotes from other companies. This should be done at least once per year regardless. Sit down with your agent and discuss all the ways you can reduce your rates, from adjusting your policy, to grouping policies together, to keeping your agent updated on changes that are happening in your life and your family’s circumstances that might reduce your rates. While rates and policies may be more expensive in your area, you can contribute to lowering your rates via many other avenues if you do your due diligence.

 Car Accidents - A Problem Close to Home

This is post one of two in a series explaining the implications of living in a neighborhood where rates are unusually high.

Some people may not realize that one of the defining factors that help determine rates is where you live. While there are a number of factors that dictate how much you will pay for your premium, location is a big one. Car insurance companies usually take into consideration how many accidents occur in your neighborhood, the level of traffic as well as average number of car thefts that take place in the area you live when determining your rates. The bottom line, as you’ll see below, is that you’re more likely to have an accident when driving near home, and if your area reflects a higher level of risk, then your rates are going to take a hit.

While you may have heard in the past that the majority of car accidents occur quite close to home, you may not have realized that this is more than just an urban myth. In reality, statistics show that more than 50% of accidents occur within five miles of where a driver lives, and astoundingly more than 75% of all accidents happen within fifteen miles of home. Many are worried about their risk of having an accident on trips away from home but statistics show that only 1% of all automobile accidents occur more than fifty miles from home.

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