Laredo car insurance requirements have been around long enough that drivers have no excuse not to know they need it.

Laredo car insurance laws may be kept in hard to understand law books, but the concept should be common sense to all.

Don’t drive over the speed limit, stop at the stop sign, and purchase a Laredo car insurance policy before you drive are all Texas laws that should be common sense to all drivers by now. Unfortunately, even when you think something should be common sense to all, you find that some people are lacking in that area.

This would explain some of the traffic laws that can be found on the law books today.

Common Sense Laredo Car Laws

With these two laws as an example, sometimes it is just better to write is down rather than have to entertain an argument that someone didn’t use their common sense because what they did wasn’t “officially” against the law. It kind of makes you feel like you are back in elementary school again.

Following Too Close – “The driver of a motor vehicle shall, when following another vehicle, maintain an assured clear distance between the two (2) vehicles, exercising due regard for the speed of such vehicles, traffic upon and conditions of the street or highway so that such motor vehicle can be safely brought to a stop without colliding with the preceding vehicle, or veering into other vehicles, objects or persons on or near the street or highway.”

Cutting in Line – “When traffic is traveling in parallel lanes, no driver or operator of any motor vehicle or any other vehicle shall cut from one lane of traffic to another so as to unreasonably interfere with the right-of-way of any other vehicle, except in an emergency.”

Why Did This Have To Be Written Down?

Then there are those laws that make you scratch your head as to why they had to be “officially” made into a traffic law. You really want to give humanity the benefit of the doubt, but some days it can be so hard to do so.

How To Pass Oncoming Cars – “Drivers of vehicles proceeding in opposite directions shall pass each other to the right and upon the roadways having width for not more than one line of traffic in each direction. Each driver shall give to the other at least one-half of the main-traveled portion of the roadway as nearly as possible.”

How to Open Your Car Door – “No person shall open the door of a motor vehicle on the side available to moving traffic unless and until it is reasonably safe to do so, and can be done without interfering with the movement of other traffic, nor shall any person leave a door open on the side of a vehicle available to moving traffic for a period of time longer than necessary to load or unload passengers.”

Don’t Forget Laredo Car Insurance

Another common sense law in Texas that many people claim ignorance about is having to have Laredo car insurance. There are no “if”, “ands”, or “buts” about it, you have to have Laredo car insurance if you want to drive. And this law has been around for long enough, that there is little mercy given if you fail to follow it.

If you don’t carry an insurance policy that has at least $30,000 for each injured person (up to a total of $60,000 per accident), and $25,000 for property damage per accident, you can expect to pay fees and possibly lose your driving privileges. So just use your common sense and purchase a Laredo car insurance policy to keep yourself out of trouble.

(all quoted laws are from the City of Laredo municipal code)

Following traffic laws is the best way to keep your Chandler car insurance rates down.

Don’t let this happen to you Chandler car insurance premium in 2014.

Did you know that you have more control over your Chandler car insurance premiums than you think?

There are some rating factors that you can’t control, like your age and your gender. But, there are also a lot of things that you can control. The controllable rating factors include:

• Traffic citations
• Car accident involvement
• Keeping your current car insurance active
• Type of vehicle you drive

If you don’t want your car insurance to dictate what type of vehicle you drive, you can concentrate on just the first three on the list and still find your Chandler car insurance rates manageable.

Avoiding Citations and Accidents

The easiest way to avoid getting a traffic citation or into a car accident, is to drive safely and obey traffic laws. Driving safely includes driving defensively with the expectation that the other drivers are not paying attention to you, giving reckless drivers plenty of room, and paying attention to the road and not your cellphone.

With how many traffic laws are on the books today, it would be impossible to list them all here to advise you how to avoid all traffic citations. It is up to you to know what the traffic laws are for Arizona and the City of Chandler. As a rule of thumb though, keep it under the speed limit and don’t run red lights at the following intersections:

• 56th Street and Chandler Boulevard
• Rural Road and Ray Road
• Dobson Road and Warner Road
• Alma School Road and Warner Road
• Alma School Road Ray Road
• Alma School Road and Queen Creek Road
• Arizona Avenue and Elliot Road
• Arizona Avenue and Warner Road
• Arizona Avenue and Ray Road
• Arizona Avenue and Ocotillo Road
• McQueen Road and Chandler Boulevard
• Gilbert Road and Riggs Road

(List of camera intersections from the City of Chandler, Arizona website)

Actually, don’t run the red light at any intersection, but the above ones are the intersection with the cameras.

Can I Just Not Get Chandler Car Insurance?

No, the State of Arizona has made Chandler car insurance a requirement of driving. You cannot have your car registered or on the road if you don’t have car insurance on that particular vehicle.

Not only do you have to have Chandler car insurance on your vehicle, but you also have to have a minimum amount of Chandler car insurance. These minimums are set by the State of Arizona and are the same for all drivers in the entire state:

• $15,000 bodily-injury liability for one person and $30,000 for two or more people
• $10,000 property-damage liability

If you fail to keep insurance on your vehicle, you will have your driver’s license and vehicle registration suspended. To reinstate either of these you will have to pay the reinstatement fees.

You also will be required to carry SR22 on your car insurance, which will raise your insurance rates for 3 years after you have received your suspension for not having Chandler car insurance.

So keep it insured and drive it safe, to keep your Chandler car insurance premiums manageable.

One way or the other you will have to pay because of Norfolk car insurance.

Norfolk car insurance is something that no driver should be without if they are going to venture out on the busy roads. In Virginia though, you do have the option of doing so.

Norfolk Car Insurance is Technically State Law

The State of Virginia requires that all of its driver have car insurance if they want to drive. If drivers fail to comply with this they will find their driver’s licenses and vehicle registrations suspended, a $500 statutory fee that they have to pay, and a reinstatement fee that they will also be required to pay.

In addition to all of the fees that will have to be paid, they will also have to have a SR-22 filed with the DMV for 3 years which will increase their car insurance premium for those 3 years.

Opting Out of Norfolk Car Insurance

Virginia is one of the few states in the nation that allow their drivers the option of opting out of having car insurance. However, it isn’t what you think it is.

Yes, drivers can drive without car insurance, but if they want to be able to do so they have to pay a $500 Uninsured Motor Vehicle fee to the DMV. If they don’t pay the fee and they are caught driving around without car insurance they will face the same fines and penalties associated with not having car insurance.

Going Without Norfolk Car Insurance

If you are thinking about opting out from purchasing the protection that a Norfolk car insurance policy provides, compare the two options.

First, the $500 fee that you are paying to the DMV is only for the privilege of driving without car insurance. You have no car insurance, so if you get into an accident you have to pay for the damages you cause out of your own pocket.

Second, most insurance policies are going to run you about the same price as the $500 Uninsured Motor Vehicle fee. But the $500 you pay to the insurance company will provide you with the protection of the insurance company paying for the damages you cause in an accident.

So before you decide to opt out of having to have Norfolk car insurance consider what you are losing compared to what you are gaining.

St. Petersburg car insurance may not be liked, but it is needed.

St. Petersburg car insurance is there to protect you against things you can’t predict down the road.

When driving around St. Petersburg, Florida having good car insurance is just as important to your safety as having good brakes. Brakes are there so that you can maintain control of your car and prevent a car accident, and car insurance is there to help you maintain control of your money and prevent financial ruin.

As you can see, one is just as important as the other.

St. Petersburg Car Insurance

Just like with your brakes being required on your vehicle before it is sold to you, you are required to carry St. Petersburg car insurance before you actually hit the road. You are required to have no less than:

• $10,000 personal injury protection (PIP)
• $10,000 property damage liability (PDL)

The PIP is to pay for your injuries, regardless of who was at fault for the accident, and the PDL pays for the other person’s damages that you cause. These coverages are unique to the state of Florida in two ways. One, each state determines what type and how much insurance they will require their drivers to carry within their state borders.

Two, most states only require that you carry car insurance coverage to protect the other person that you may hit. Florida is one of very few states that require you to carry car insurance to protect yourself in the event of an accident.

St. Petersburg Accident Statistics

If you think that you really don’t need St. Petersburg car insurance because your brakes will keep you from getting into and accident, here are some statistics from the Florida Department of Highway Safety and Motor Vehicles.

Over the last three years, there has been an average of 12,720 car accidents a year in Pinellas County. During this same period there was an average of 102 fatalities a year. In 2012 alone, there were 13,601 car accidents in Pinellas County, which was an increase of 25% from 2011. In 2012, there were 99 fatalities.

For just St. Petersburg, they had 3750 car accidents in 2012.

Broken down, that’s around 35 car accidents a day in Pinellas County in 2012 and 10 a day just in the city or St. Petersburg.

All of these cars had brakes and they still ended up getting into accidents, so I guess St. Petersburg car insurance isn’t too bad of a backup plan after all.

Orlando car insurance keeps you expenses from a car accident from circling out of control.

Orlando car insurance is there to protect you when you don’t even realize you need it.

Car accidents happen in Florida, we all know that. But, few of us really put much thought into getting into a car accident until the metal has already crunched. And it’s for times like those that you need to be grateful that you have Orlando car insurance coverage, even if you were forced to have it.

Forced Orlando Car Insurance

Yes, you have to have car insurance. In most states car insurance is required to make sure that the other people on the road with you are protected from your negligence or accidents that you may cause. There is usually no coverage required that protects you in the event of an accident.

In Florida though, you are required to purchase coverage that protects both you and the other person. Florida is one of a very small number of states that require this.

These unique coverages that they require you to have on your Orlando car insurance are:

• $10,000 personal injury protection (PIP)
• $10,000 property damage liability (PDL)

The PIP is to pay for your injuries, regardless of who was at fault for the accident, and the PDL pays for the other person’s damages that you cause.

Orlando Car Accident Statistics

Just for those that are curious or don’t believe that they need car insurance coverage, here are some accident statistics for Orange County and Orlando.

Over the last three years, there has been an average of 20,009 car accidents a year in Orange County alone. During this same period there was an average of 137 fatalities a year. In just 2012, there were 21,460 car accidents in Orange County, which was an increase of 12.43% from 2011. In 2012, there were also 150 fatalities.

For just Orlando, they had 7136 car accidents in 2012.

Broken down, that’s around 59 car accidents a day in Orange County for 2012, and 19 a day just in the city or Orlando.

(Figures from the Florida Department of Transportation)

What Other Orlando Car Insurance You Need

The coverages that the State of Florida requires on your Orlando Car Insurance only cover those two things that we discussed above. There is no coverage for the damages to your vehicle, no towing coverage, no rental car coverage, and if the other person’s property damage is above $10,000 there is no coverage for that either.

To make sure that you are properly protected if you get into a car accident, you need to make sure that you have the right coverages. To find out what coverage is best for you and your budget, contact your local Orlando car insurance agent.