Violating certain traffic laws in the city will have differing effects on your Colorado Springs car insurance.

Don’t violate these Colorado Springs traffic laws and keep your record pristine clean.

Colorado Springs car insurance rates are directly affected by what you have on your driving record. Each policy starts with a base rate for the coverages that you want to purchase, and then surcharges are added for the point that you have on your driving record.

These points come from tickets you get for violating traffic laws and each traffic law has their own number of points it adds to your record. The worse the traffic violation, the higher the number of points assigned to that violation. The higher the points, the higher your Colorado Springs car insurance rates will go up.

Traffic Laws That Affect Your Colorado Springs Car Insurance the Least

Parking violations don’t usually add points to your driving record because they are not moving violations. Here are some Colorado Springs parking laws that will affect your wallet, but not your insurance rates.

“10.11.101: PARKING AT CURB OR EDGE OF ROADWAY:

A. Except where angle parking is permitted every vehicle stopped or parked upon a two-way roadway shall be so stopped or parked with the right-hand wheels parallel to and within twelve inches (12″) of the right-hand curb or edge of the roadway.

B. Except where angle parking is permitted, every vehicle stopped or parked upon a one-way roadway shall be so stopped or parked parallel to the curb or edge of the roadway, in the direction of authorized traffic movement, with its right-hand wheels within twelve inches (12″) of the right-hand curb or edge of the roadway, or its left-hand wheels within twelve inches (12″) of the left-hand curb or edge of the roadway. (1968 Code §6-11-1; Ord. 75-86; Ord. 01-42) “

Speeding Laws That Affect Your Colorado Springs Car Insurance

Speeding is something that will definitely affect your insurance rates because you are breaking the law and you are being careless; insurance companies don’t like careless.

When looking at the speeding laws in Colorado Springs I found something that was a little humorous. Instead of just listing that it is illegal to drive over the posted speed limit, they separated them out in groups.

And yes, you will get a ticket for going 1 mph over the speed limit; I have seen it on a driving record for a client before.

“10.5.104: EXCEEDING POSTED SPEED LIMIT:

It shall be unlawful for any person to drive any vehicle:

A.One to four (4) miles per hour over the posted speed limit:

1. One to four (4) miles per hour over the posted speed limit in a posted school zone;

2. One to four (4) miles per hour over the posted speed limit in a posted construction zone.

B.Five (5) to nine (9) miles per hour over the posted speed limit:

1. Five (5) to nine (9) miles per hour over the posted speed limit in a posted school zone;

2. Five (5) to nine (9) miles per hour over the posted speed limit in a posted construction zone.

C.Ten (10) to nineteen (19) miles per hour over the maximum posted speed limit:

1. Ten (10) to nineteen (19) miles per hour over the maximum posted speed limit in a posted school zone;

2. Ten (10) to nineteen (19) miles per hour over the maximum posted speed limit in a posted construction zone.

D.Twenty (20) to thirty nine (39) miles per hour over the posted limit:

1. Twenty (20) to thirty nine (39) miles per hour over the maximum posted speed limit in a posted school zone;

2. Twenty (20) to thirty nine (39) miles per hour over the maximum posted speed limit in a posted construction zone.

E.Forty (40) miles per hour or more over the maximum posted speed limit:

1. Forty (40) miles per hour or more over the maximum posted speed limit in a posted school zone;

2. Forty (40) miles per hour or more over the maximum posted speed limit in a posted construction zone. (Ord. 98-249; Ord. 00-112; Ord. 01-42; Ord. 08-222)

Traffic Laws That Affect Your Colorado Springs Car Insurance the Most

“It shall be unlawful for any person to drive any vehicle in this City in wilful or wanton disregard for the safety of persons or property. (1968 Code §6-6-1; Ord. 75-86; Ord. 88-151; Ord. 01-42)

Every person operating a motor vehicle on a highway, street, public way or elsewhere in this City, shall drive the same at a speed and in a manner which is reasonable and prudent under the conditions and having regard to the actual and potential hazards then existing; and every driver of a vehicle, in compliance with legal requirements and the duty to use due care, shall use every reasonable means to avoid endangering or colliding with any person, property, vehicle or other conveyance anywhere within the City. (1968 Code §6-6-2; Ord. 75-86; Ord. 01-42)”

Careless and reckless driving is the quickest way to get a high number of points on your driving record. These are also the violations that will get you the fastest increase in your Colorado Springs car insurance premium.

Source: City of Colorado Springs

The required Atlanta car insurance coverage doesn’t protect you from trouble like the Atlanta residential parking permit does.

No, your Atlanta residential parking permit does not work here.

Parking in downtown Atlanta and Atlanta car insurance are two of the necessary evils of owning a vehicle and living downtown. To combat these two evils, the City of Atlanta and your car insurance agent can help you out though.

Parking For Those that Live In Atlanta

Atlanta isn’t all money when it comes to understanding that those that live downtown need a place to park for long periods of time. So to accommodate those that live in Atlanta, the city allows residents to purchase a special parking permit that will allow them to park in specific areas beyond the regular parking hours that are posted.

The permit is only $20.00 a year, which personally I think that is a great price. I paid more than $20.00 for my parking permit to park in front of my own apartment on the University of Idaho campus.

Per the City of Atlanta website, these are the areas where residential parking is designated:

• Ansley Park
• Atkins Park
• Glen Iris
• Home Park
• Inman Park
• Inwood Circle
• Midtown
• Myrtle Street
• Saunders Street
• Summerhill
• Vine City

You will need a copy of your driver’s license, current vehicle registration and proof of residency to be able to apply for a residential parking permit. If you try to get a permit by providing false information just to get the permit, you can be subject to a $1000 fine or 60 days in jail.

Getting a parking ticket in Atlanta, or getting caught making trying to get a residential parking permit with false information will not affect your car insurance rates as these are not moving violations that go on your driving record.

Parking and Atlanta Car Insurance

With or without a residential parking permit, parking your vehicle in Atlanta is risky. It’s not like when you have your own home and are able to park your vehicle in a garage or a carport. When you are in downtown Atlanta you are parking your vehicle on the street or in a parking garage with many, many others.

The more traffic you get moving past your vehicle and the more vehicles that are parked next to yours, the higher your chance of ending up with damage to your vehicle. Especially by a driver that hits your vehicle and then leaves without providing their insurance information to pay for the damage they did to your car.

This is why it is so important for you to carry more than the required 25/50/25 liability coverage that the State of Georgia makes you purchase. Liability coverage is only to cover the damages to another person’s vehicle that are caused by you. It will not cover the damage done to your vehicle.

To make sure that your vehicle is covered while parked, you need to have comprehensive and collision coverage added to your Atlanta car insurance policy.

Virginia Beach car insurance is actually optional, but may not actually be a good option.

You never know when the tranquil road will get tangled, so be safe and go with the Virginia Beach car insurance.

In Virginia Beach, and everywhere else in Virginia for that matter, you are allowed to drive around without the normally required car insurance………if you pay a fee. Yep, you knew there was a catch and there it is.

The fee is called the “Uninsured Motor Vehicle (UMV) Fee” and it is $500 a year, payable to the DMV every time you renew your vehicle registration. This is not insurance coverage that is provided through the state, it is simply a way to be able to drive your vehicle around without having to pay for car insurance.

Whttp://www.carinsuranceguidebook.com/minnesota-car-insurancehy the Virginia Beach Car Insurance Opt Out Is Bad

Drivers may look at the UMV fee as a great thing so they don’t have to be forced to have car insurance, but there are two reasons why this is actually a bad thing for you.

First, the fee is $500 a year, per vehicle. I am not sure what you pay for car insurance, but my car insurance is less than $500 a year. So I am paying less by just buying the car insurance that my state requires, than what people are paying to NOT have to carry car insurance.

So the idea that this will save you money by not having to pay for car insurance, pretty much goes right out the window for most of us.

Second, why would you pay not to have to carry car insurance and then drive around without that protection? If you cause a car accident and don’t have liability coverage for your vehicle, you have to pay for the other person’s damages and injuries out of your own pocket.

Then, not only will you be paying the $500 for the right not have to carry car insurance, you will also be paying even more money out for not having that insurance you paid to not have.

Wouldn’t it just be easier and cheaper for you to get the car insurance?

Virginia Beach Car Insurance

For those that would rather simplify their life and just get the required insurance coverage, you are required to carry:

• $20,000 in liability property damage
• $25,000 in liability coverage for the medical expenses of one person injured
• $50,000 in liability coverage for the total accident if there are two or more injured.

The Virginia Beach car insurance requirements are the same throughout the state, so if you have the required coverage in Virginia Beach you are good in all the other cities and towns as well.

Even with being punished for not having Kansas City car insurance, you may still be able to drive.

Kansas City may be straight ahead, but most driving laws are effective before you get there.

Kansas City and many of the other major cities around the nation like it are just as much subject to state laws as they are the own laws that they create. Some of the major laws that are created by the state but have to be obeyed and enforced by the cities include the laws that pertain to driving.

For example, laws that tell you how much car insurance you have to carry and who does and does not get to drive.

Kansas City Car Insurance

Kansas City car insurance requirements match those of the State of Missouri because the state is who makes the insurance rules and regulations for everyone within the state’s borders. These Kansas City car insurance requirements include:

Liability coverage for injuries you cause to another person not in your vehicle ($25,000 per person/$50,000 per accident)

Liability coverage for damages you cause with your vehicle ($10,000 per accident)

Uninsured motorist coverage for injuries caused to you or others in your vehicle ($25,000 per person/ $50,000 per accident)

No Kansas City Car Insurance?

Decide that you don’t really need to comply with having to carry Kansas City car insurance and the authorities get to decide that you really don’t need to be driving then.

The first time you are caught driving without car insurance will earn you a $20 reinstatement fee. The 2nd time you are caught you will get to enjoy a 90 suspension and a $200 reinstatement fee.

And if you just didn’t get the clue the first two times, the third time you are caught without car insurance will make you the honorary holder of a suspended driver’s license (or vehicle registration) for a whole year. If you are ready to give up this honor at the end of the year, you will need to show that you do have car insurance now and will need to fork over a $400 reinstatement fee.

Special Suspended License Driving Privileges

If your driver’s license has been suspended for not having Kansas City car insurance coverage, you may qualify for what is known as a “hardship license”. These licenses are called Limited Driving Privilege licenses and are granted when drivers need their license for employment or other important matters. The specific hardship reason has to be approved by officials to determine if it is an actual hardship.

There is also a long list of reasons that could prevent you from qualifying for a Limited Driving Privilege license, so contact your local Kansas City DMV for more details.

Mesa may not be the most dangerous city in Arizona to drive in, but car insurance is still required.

Safe driving and car insurance protection “straight ahead” in Mesa

Your chance of getting in a car accident in Mesa is considerably lower than it is compared to other larger cities in the state, but Arizona still says you have to have Mesa car insurance to drive. Besides, if you end up as one of the few car accidents that do happen in Mesa you will be very glad that you were required to have car insurance.

Mesa Car Accident Statistics

In 2012, Mesa had a total of 6,374 car accidents. Of those crashes, only 28 of them were fatal; meaning that 4/10ths of a percent of the car accidents in Mesa ended with someone dying. This puts Mesa in better standing than the State of Arizona as a whole in regards to fatal car accidents, as Arizona’s fatal car accidents accounted for 7/10ths of a percent of the 103,176 car accidents in the state in 2012.

Of Mesa’s 6,374 car accidents in 2012, there were 272 alcohol related accidents, 2,092 car accidents that had injuries, and 4,254 accidents that resulted in property damage only.

Comparatively, Mesa only accounted for 6/10ths of a percent of the total car accidents that happened in Arizona in 2012.

(Source:azdot.gov)

Mesa Car Insurance Requirements

Mesa car insurance requirements are the same as they are everywhere else in Arizona. It is not the City of Mesa that creates car insurance laws or tracks compliance, but they do still issue traffic citations if you are caught without the coverage.

To keep yourself free of a traffic citation in Mesa for not having car insurance, make sure that you are carrying the minimum required coverages. These coverages include:

$15,000 in liability coverage for the medical expenses of a single person (not in your vehicle) that you injure)

$30,000 in liability coverage for the medical expenses of 2 or more people that you injure

$10,000 in liability coverage that pays for the damages you cause to another person’s property that you cause with your vehicle.

Insurance agents in Arizona won’t sell you anything less than the above coverages, so it is unlikely you will get a citation for not having enough insurance. So you either have Mesa car insurance coverage and are driving legally, or you don’t have it at all and you are setting yourself up for future legal and financial problems.