How To Avoid Moving Violations And Keep Your Auto Insurance From Skyrocketing
A recent study revealed that committing driving violations would result in insurance premium jumps, some as much as 93 percent. “Even minor speeding tickets where you go 1-15 MPH (miles per hour) over the speed limit can prompt auto insurance premiums to jump 21 percent,” reported CNBC.
The website noted that calculations of how much violations drove up auto insurance premiums were based on an analysis of 17 common moving violations and data from the largest insurance companies in the United States.
The biggest increases were for DUI violations (a premium increase of 93 percent) and reckless driving tickets (a premium boost of 82 percent). The findings really speak to that age-old question that many a driver (and parent) have asked of their insurance agent:
How can I make the best of my auto insurance premiums?
While we’re big proponents of stacking your coverages (i.e. life, home, auto) under one provider, it will do you little good if you lack the driving record to keep it up. That’s why we recommend you implement these special driving techniques to avoid accidents, tickets, and other police attention.
In Parking Lots
Exercise vigilance. So much can change in a split second within the confines of a parking lot. Don’t just give it one look and back up. As you walk out to your car and get behind the wheel, make note of your immediate surroundings. How many cars do you have to the sides? Is a large SUV blocking your field of vision? What about the row behind you? Were there any hurried shoppers, who looked as if they could be finished packing up their car with all the goods they’ve bought, just in time to back out into your bumper? If your vision is impaired and you’re having to do Reverse, creep out of the slot to announce to any oncoming drivers that you’re coming, but hold that foot near the brake pedal. You can’t assume the other drivers are paying attention.
On The Road
First thing’s first: police your behavior. The Speed Limit signs are there for a reason — law, namely — and if you break the limits, then you’re positioning yourself to get pulled over and ticketed. Furthermore, if you’ve been driving under the influence, the annoyance of a ticket could soon turn in to an arrest and long-ranging reverberations that will have you paying dearly for years to come. Also, don’t forget your training. You could have never attained a driver’s license if you didn’t know basics like, “How many feet should you turn on your turn-signal before actually following through?” and “If you and another car come to a four-way stop at the same time, who has the right-of-way?” Passing your exam in your teens is not a good excuse for forgetting the information as an adult.
Against Other Drivers
Once you’ve committed to being the best driver you can be, borrow that vigilance you used to survive the parking lot and apply it to the road as you near stop lights, pass 18-wheelers on the Interstate, and ride up on the back of a car that’s about to turn without its turn-signal on. You can never be certain what someone is going to do once they get behind the wheel of a motor vehicle. They may be the worst driver known to man, oblivious to the world around them, or they may have a medical condition that causes them to black out behind the wheel. Resulting accidents from situations like these can be anywhere from minor to deadly. You have to focus while also worrying about what the other driver is going to do. Anticipate the bad, so you can avoid it if the moment comes when it’s needed.
By being prepared for all the different “modes” of driving, paying attention to what the other drivers around you are doing (both in parking lots and on the road), and focusing on being the best driver you can be, you can avoid the premium spikes that many experience every day. Above all, use good judgment and keep your eyes on the road.