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Average Car Insurance Rates - 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 insurance 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 car insurance 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 car insurance 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.

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    Average Car Insurance Rates - 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 insurance 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 car insurance rates.

    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.

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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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