Although most people obey traffic rules when driving from one point to another, some do not. Reasons for breaking traffic rules vary. For instance, one may over speed in order to get to a particular destination faster. The problem with over speeding is it endangers the lives of pedestrians, cyclists and even other drivers. Car accidents often result in injuries that require expensive medical attention. Vehicle insurers tend to pass this cost to violators of traffic rules in the form of higher premium rates.
The Cost of Traffic Tickets
Traffic violations can increase your auto insurance rates significantly. This is according to a study carried out by Insurance.com involving more than 490,000 insurance quotes. The results of this study show that reckless driving can increase your auto insurance premiums by as much as 22%. For first time DUI offenders, car premiums generally rise by 19%. Other traffic violations that can have a negative impact on car insurance rates include careless driving (16%), driving without a license (18%), driving 30 mph over the speed limit (15%), making an improper turn (14%), following another car too closely (13%), and failure to stop (15%). Even a seat belt infraction could lead to a 3% increase in auto premiums.
The author of this study warns that these are just averages and the rates could be even higher. Remember car insurers use a wide range of factors to determine the premiums one will pay. Some of these factors include age, sex, make and model of car, marital status, as well as where one lives. Laura Adams, a senior insurance analyst at InsuranceQuotes.com says insurers view young drivers as risky clients. This means a young person with multiple traffic tickets will have a hefty insurance tab to settle every month.
Avoiding Insurance Premium Hikes
There are several ways of avoiding car insurance premium increases. Firstly, you can hire a lawyer and go to court to prove that you are innocent. Secondly, you can attend a traffic school to refine your driving skills. Some states strike off traffic violations from a driver’s record if he or she attends a traffic school. Although these approaches work, they have several disadvantages.
To start with, hiring and retaining a lawyer is expensive and having one does not guarantee that you will win your case. Secondly, attending traffic school requires personal commitment and time. For a busy executive or businessperson, time constraints mean this idea is a nonstarter.
Avoid Car Insurance Premium Increases
Alternatively, you could download and use PhantomALERT to help you avoid traffic tickets. PhantomALERT is a mobile application that you can download into your GPS device, smartphone, or tablet. It gives you access to a database of more than 400,000 DUI checkpoints, speed traps, speed cameras, red light cameras, school zones, and police stations. Additionally, it is compatible with mobile devices that run iOS and Android operating systems. On the GPS device front, it is compatible with Garmin, Magellan, and TomTom. Furthermore, it works in the United States and Canada as well.
Benefits of Using PhantomALERT
With this app, you get visual and audible alerts in your GPS or smartphone when you approach a speed camera or red light camera. It is quite accurate because drivers can report enforcement and safety locations as well as verify the same. In addition, this traffic app is legal and easy to use, so it would ultimately help you avoid insurance premium increases.
Of course, your driving record plays a big role in determining your auto insurance rates. As such, a driving record littered with traffic violations and tickets is likely to attract a high insurance premium and vice versa. The good news for drivers is PhantomALERT can help you avoid speed traps, DUI checkpoints, and red light cameras