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Average Car Insurance Rates | Tips for Beating a Speeding Ticket (Part Two)

This is post two of two in a series describing ways in which you may be able to turn a potential speeding ticket into just a warning.

Stick to Your Story
It is important that you always stick to your story when trying to beat a speeding ticket. If one minute you tell them that you forgot the speed limit was 45, and then you tell them that you thought you were only going 45, they are going to see an inconsistency in your story. Keeping your facts straight can help you keep your story straight.

Be Courteous
Treating an officer with courtesy is half of the battle, and it may just get you a warning instead of a ticket. Be sure to thank the officer for doing his job, and even if you get a ticket, when you appear in court that courtesy may help you out. Acting disrespectful towards an officer will get you a ticket in a heartbeat, and if you contest the ticket, your disrespectfulness towards an officer will probably ensure that your ticket will be enforced. It’s cliche but officers, for the most part, are just doing their jobs. They can have good days and bad days just like the rest of us so consider that when communicating to the officer.

It is possible to get by with only a warning instead of a speeding ticket if you know what you are doing. If nothing else, it will increase your odds of not getting a ticket but the end result is in the hands of the officer and or judge if you contest it. In some cases there may be no way out, but you can always do your best and try. While knowing how to deal with a speeding ticket can be helpful, your job as a licensed driver is to do what’s right and have the self-control to follow through on what you promised to do when you received your license. And if you get caught, take responsibility for your actions and don’t play the victim card. Staying within the law can keep you out of this precarious situation in the first place and ensure that you don’t have to deal with a raise in car insurance rates or points against your license as a result of your driving.

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    Average Car Insurance Rates | Tips for Beating a Speeding Ticket

    This is post one of two in a series describing ways in which you may be able to turn a potential speeding ticket into just a warning.

    One of the quickest ways to increase your car insurance rates is to get a speeding ticket. Many people exceed the speed limit every day when they drive and then react as if they had done nothing wrong when pulled over, even accusing the officer of picking on them, as if they were the victim. Most people tend to forget that when they originally received their license, they signed a contract that said that they would not just “try” and obey the traffic laws when convenient, but rather they would obey them 100% of the time. The bottom line though is we all make honest mistakes. So if you do happen to get pulled over for speeding, there are ways to increase the odds of being able to beat the ticket and walk away with only a warning though. The following are a few tips that may be able to help you when dealing with the prospect of a speeding ticket.

    Act Unassuming
    It is important when you are dealing with an officer or even a judge that you remember to be humble and unassuming. Whether you are guilty or not, you are the one who is accused of a violation, and acting bold and arrogant may have negative results. It is up to you to act serious and unassuming so you show that you are taking the speeding ticket seriously. If you act flippant as if you were the victim, they may feel like you’re just trying to get away with something you did wrong, and you may get slapped with the speeding ticket.

    Tell the Truth
    Another important tip when trying to beat a speeding ticket is to always tell the truth. No doubt you are thinking about how bad you want to avoid having your car insurance rates go up and getting points against your license, but never let this lead you to telling a lie. More than likely if you twist the truth, the police officer is going to catch on quickly, and it’s his word against yours, so stick to truthful statements such as, “I had no idea I was speeding,” or “I honestly did not see that sign lowering the speed limit.”

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    Average Car Insurance Rates - Choosing a Deductible on Your Car Insurance Policy (Part Two)

    This is post two of two in a series about how to choose the right insurance deductible.

    What are the Risks?
    When deciding on deductible amounts, it is important to rationally assess the risk that is associated with you driving. You may want to take a good look at your driving record over the past few years. According to statistics, if you have been in an accident or two during that time, you are at a higher risk for having another vehicle accident in the future. If you have never been involved in a vehicle accident, or it has been a long time since you were in an accident, you have a lower risk of having an accident in the future. Take into consideration the risks and decide what kind of deductible you feel most comfortable with.

    Compare Companies
    Before making any final decisions you may want to take the time to compare various companies. Many times you can choose the same deductible with one company and have it be much cheaper than the same deductible (and same policy) with another company. A little time and patience might be needed to make the comparisons, but in the end you will be able to get below average car insurance rates.

    The bottom line is cash out of your pocket now versus cash out of your pocket later. Many people decide on the higher deductible amounts to save money now banking on the fact they won’t be in an accident. Weigh your choices, weigh the odds, consider the costs and be sure the decision you make is one you’re confident with.

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    Average Car Insurance Rates - Choosing a Deductible on Your Car Insurance Policy

    This is post one of two in a series about how to choose the right auto insurance deductible.

    When you’re choosing your car insurance policy, one thing you’ll have to decide on is how much you want your deductible to be. More often than not, this will be based on your own preference, but it is important to know that a lower deductible will cost you less in the event of an accident, while a higher deductible will cost you more. But when you pay your premium, a higher deductible amount will result in lower car insurance rates and visa versa. The old adage, “you can pay me now, or pay me later” surely applies with deductibles. The following are a few things to consider when you are deciding on a deductible amount for your policy.

    Factors for Consideration
    There are a few things that you need to consider before you decide on your deductible amount. For instance the cost and or age of your car and what it would cost to repair if the car was damaged in an accident. If you live in a heavily populated area, do a great deal of driving, or have severe weather frequently, you may want to consider a lower deductible because the odds are greater that you may be in a collision of some kind. On the other hand if you live in an area with little population, or you rarely drive your vehicle, you may want to choose to save money now and go with the higher deductible. It is important that you take all of these factors into consideration before you make your final decision.

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