Distracted driving is a hot topic these days. The focus is predominantly on texting while driving, but there are a number of things that can be distracting while you’re behind the wheel – including backseat drivers! There is a distracted driving prevention program called Decide to Drive that now helps you try to prevent distracted driving. They’ve come up with a wreck less checklist that can be anonymously emailed to those distracted drivers. It covers almost every distraction we could think of, and what better place to share it than here!
Decide to Drive is sponsored by American Academy of Orthopaedic Surgeons (AAOS) and the Alliance of Automobile Manufacturers, and provides plenty of resources that attempt to encourage safe driving. For more information, visit www.decidetodrive.org.
Beach Auto Brokers has been in business since 1985, Driven by excellence and proudly serving the Hampton Roads community for over 25 years. The Beach Auto Brokers full inventory of vehicles is available for you to look at, test drive, and ask questions about. And our knowledgeable staff is ready to help you.
For starters, there’s the fear that comes with being pulled over, even if you’re the goodiest goody-two-shoes out there. Then, there’s the 15 or 20 minutes that’s taken from your busy life while the officer checks your paperwork and writes the ticket. And if you’re lucky enough to get nabbed near home, there’s also the embarrassment of your bust being seen by friends and neighbors. And let’s not forget the fine, which can be well into the three-figures, depending on why you were stopped.
Most people they pay the fine and think that’s it… not exactly. There may be another price to pay. The bigger question is “how will a moving violation affect your insurance rates?” And the answer, unfortunately, is “that depends”.
Not surprisingly, the most damaging offense would be a DUI, causing insurance rates to increase an average of 93%. That is not too unexpected though because those violations suggest a pattern of behavior that reflects poorly on the driver. Insurance companies base their rates on experience, so violations that cause premiums to jump the most are those that are strong indicators that the driver is likely to have an accident in the future. Most other violations have a lower, but still substantial and impactful, rate increase. Here’s a list of possible traffic violations, and the average premium increases they bring:
- DUI — 93%
- Reckless Driving — 82%
- Speeding 31+ mph Over The Limit — 30%
- Speeding 16 to 30 mph Over The Limit — 28%
- Careless Driving — 27%
- Speeding 1 to 15 mph Over The Limit — 21%
- Failure to Stop — 19%
- Failure to Yield to Pedestrians — 19%
- Driving in a Carpool Lane — 18%
*Data from a recent study by InsuranceQuotes.com to determine how citations can affect premiums.
Next time you get behind the wheel, think about your actions and how they will impact you. And remember to drive safe!
Beach Auto Brokers has been in business since 1985, Driven by excellence and proudly serving the Hampton Roads community for over 25 years. The Beach Auto Brokers full inventory of vehicles is available for you to look at, test drive, and ask questions about. Stop by today – our knowledgeable staff is ready to help you.