Colorado Springs Car Insurance

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