Arymen Shawn : The traffic authorities, goverment and insurance companies are bringing in a cell phone ban. Is this necessary and will it help in reducing the auto insurance premiums.In which states is it prevelant?

Response : Arymen, I know that most of the time this would sound very weird to people but it would certainly impact the automobile insurance rates and the SR22 car insurance premiums in the long runs since this would reduce auto insurance premiums.Distraction is one of the leading cause of aggressive driving and this leads to accidents and SR22 car insurance or the driver being named as high risk driver. More than 270 million wireless subscribers in the United States used 2.2 trillion minutes in 2008. Teens and novice drivers learn the complex task of driving a motor vehicle, they are the most likely group to be involved in vehicle crashes as the result of distracted drving.

On Your Side survey, which found that eight in 10 Americans surveyed said they would support legislation restricting cell phone use while driving. The survey, conducted Aug. 5-9, 2009, by Harris Interactive, reports that 80% of Americans favor a ban on texting while driving, while two thirds favor a ban on cell phone calls, and more than half say they would support a ban on cell phone use altogether.

With an astounding 110.4 billion text messages sent and received each month last year, it’s obvious that texting is easy, fast and increasingly popular. It’s also incompatible with safe driving, a fact that has not escaped the interest of the National Safety Council and CTIA-The Wireless Association, which recently announced a joint teen education campaign designed to explain the dangers of distracted driving. The campaign—and its slogan, “On the Road, Off the Phone”—includes a television public service announcement and Web site with information for parents and teens to learn more about distracted driving

A jurisdiction-wide ban on driving while talking on a hand-held cellphone is in place in 7 states (California, Connecticut, New Jersey, New York, Oregon, Utah, and Washington) and the District of Columbia. Utah has named the offense careless driving. Under the Utah law, no one commits an offense when speaking on a cellphone unless they are also committing some other moving violation other than speeding.

Local jurisdictions may or may not need specific state statutory authority to ban cellphones. Localities that have enacted restrictions on cellphone use include: Oahu, HI; Chicago, IL; Brookline, MA; Detroit, MI; Santa Fe, NM; Brooklyn, North Olmstead, and Walton Hills, OH; Conshohocken, Lebanon, and West Conshohocken, PA; Waupaca County, WI; and Cheyenne, WY.

Localities are prohibited from banning cellphone use in 8 states (Florida, Kentucky, Louisiana, Mississippi, Nevada, Oklahoma, Oregon, and Utah).
The use of all cellphones while driving a school bus is prohibited in 17 states and the District of Columbia.
The use of all cellphones by novice drivers is restricted in 21 states and the District of Columbia.
Text messaging is banned for all drivers in 19 states and the District of Columbia. In addition, novice drivers are banned from texting in 9 states (Delaware, Indiana, Kansas, Maine, Mississippi, Missouri, Nebraska, Texas, and West Virginia) and school bus drivers are banned from text messaging in 1 state (Texas).
I am sure you will find this information and intersting and also appreciate that this is a leading cause of high auto insurance premium. Lets ensure safety and get low auto insurance or car insurance and enjoy our rides.

Chris Lang : What is aggressive driving? A friend of mine told me that he required SR22 car insurance and was looking fo a cheap sr22 auto quote. I donot understand why the dude needed this if he was not held for drunk driving.

Response : Chris, let me tell you that Sr22 car insurance is not actually an insurance requirment but a requirement given by the traffic authorities since the person has been a repeated offender at driving or he has been involved in fatal crashes which would require that he definetly needs to be insured. This is to protect the public and even the driver from having financial issues at a later date. Yes cheap SR22 insurance is avaliable thanks to the internet and high competition. You can check it out yourself right here on my website. Just plug in your zip coded and other minor details and am sure you will get the best sr22 insurance quotes.

Secondly let me tell you a little about aggressive driving. Aggressive driving invloves speeding, distracted driving, talking on the phone, text messaging, getting into car accidents very often – in short it is poor or bad driving which is causes accidents and hence is considered high risk. The insurance companies group these drivers in the same catagoery as drunk driving or DUI convictions and offences.

Aggressive driving is a major concern of the American public, ranking at or near the top of traffic safety issues in national surveys of motorists. However, the concept of aggressive driving is not well defined, and its overall impact on traffic safety has not been well quantified due to inadequacies and limitation of available data. The highway traffic has found that agressive driving was responsible for 56 percent of fatal crashes from 2003 through 2007, with excessive speed being the number one factor. We will discuss this in more details later.

Dan Kennedy : Delaware : I have been recently issued a speeding ticket and this is my first speeding ticket. Would this affect my auto insurance rate. A friend of mine was saying that I would need SR22 car insurance, is this true.

Response : I can understand that in Delaware there is a campaign going on and will let you know the news for this in details. Yes, technically if you have a speeding ticket than this would mean that your driving history is affected and so there is every chance and certainly that your auto insurance premium would increase. Secondly, let me assure you that having only one speeding ticket would not put in the category of a high risk driver requiring SR22 car insurance. You can check up my blog for a better understanding for what SR22 car insurance or SR22 form is about. You will infact, not also require to go for the speciality insurers for obtaining car insurance quote. You can get a low auto insurance quote by shopping for online auto insurance quotes before buying your insurance so that you know the lowest rates. The blog provides good cheap sr22 car insurance quote and for even for those who need personal car insurance quote.

Now, let me tell you that in Delaware’s four-month campaign against speeding produced 6,322 citations and you where one of them. The Office of Highway Safety says that’s an increase of nearly 4,000 compared to a similar, three-month campaign last year.

Office spokeswoman Andrea Summers says the number of fatal crashes attributed to speed dropped 12 percent, from 30 percent, after the campaign started.

Highway Safety director Tricia Roberts says “speeding enforcement will not cease” even though this period of public awareness and high visibility enforcement has ended.

The officers participating in the campaign are Delaware State Police, New Castle County police and Dover police officers. I know we do not like such campiagns but the brighter side is that they do prevent fatal accidents and reduce the cost of claims giving us all better savings and cheap sr22 car insurance quote or cheap automobile insurance quotes. Happy Motoring.

Which drivers are termed as high risk? Can you get an affordable quote for this risk?

Response : High risk insurance or High risk drivers are drivers who have a bad driving record. This driving record is because of the age-group that they fall into and the perils normally associated with this age group or secondly due to your adverse driving history. When you’re in this category, it’s because you’re considered a bad driver. Now, there are various reasons why you could’ve gotten this title. According to your driving record, your history shows that you’ve either made bad decisions, gotten into bad situations or are losing your motor skills. Those that have made bad decisions include those who have gotten a DWI/DUI. Drinking while driving is one of the riskiest and worst problems that you can get into.  Those that have one or more DUIs are likely to have the highest of all rates. In most cases, their down deposits are in the high hundreds, possibly in the thousands and total policy amounts are in the thousands for sure. The danger these motorists pose is very grave.

Getting into a car intoxicated can lead to a fatal accident and auto coverage providers don’t want to be responsible for the expenses associated with it. So if you have a history of getting a DWI or were involved in an accident where you were under the influence of alcohol or drugs, likely it could happen again. A lot of people constantly drive while drunk or under the influence of drugs, so it’s mostly not a one time thing. With this being known, a lot of insurers are not going to want to insure you. They charge more to offer your car protection, so that they can secure themselves from all of the money you may cost them later on.

Then there are those who are constantly pulled over by the authorities because they are breaking laws of the road. If you are known for getting citations, then it is likely you will have higher policy rates than the average driver. In the eyes of the vehicle coverage company, you are a dangerous driver. When you are speeding, not wearing your seatbelt and running red lights, you are that much closer to getting into an accident and if you’re involved in an accident without wearing a seat belt, you could get thrown from the vehicle, which will cost more for medical bills. All of this is adding up in their eyes and you will have to pay the price upfront with a high deposit and monthly payments.

New drivers, such as teens and others who’ve recently gotten their driver’s license are also consider risky motorists. Teens are known for being in a lot of accidents, so they are known as risks. Taking driving courses can help make you less of a danger on the road; plus, when auto insurers see that you’ve taken classes that improve your driving ability, they look at it like you’re gaining experience.

Last, folks that are 65 and older are known as dangerous drivers because their vision and hearing are becoming impaired. Then there’s the fact that the senior citizens’ mobility loses control, along with their reaction time and coordination. It’s unfortunate that some people grow older and have to go through the body’s process of slowing down, but it happens at some point or another. This is why the elderly are required by state to be tested regularly for eyesight and hearing. Some are even required to retake their driving test. Taking driving courses too can help to lower premium quotations.

You have come at the right place for finding an affordable quote. You can plug in your information above and get quotations from various car insurers around the country. See what type of prices you can find for the coverage you need. In order to get the lowest rate possible, you’ll need to raise the deductibles as high as possible and set your liability limits as low as possible; this will help to conjure up a lower premium rate. You can also search around for discounts that you are qualified for — if you’re a student that makes good grades (B average or higher), then you may be able to get a cheaper policy quote. Having a good driving record would have given you the biggest discount of all because that’s what vehicle protection providers are looking for the most. Make sure to check with your state to see what type of coverage you are required to have in order to legally drive around. You should also find out whether or not the car protection is only applicable for your state or if you’re able to receive benefits if involved in a collision during out-of-state travels. You can find information on mandated coverage for your state easily accessible on the internet.

You should be buying enough coverage and it is also important that you secure your financial stability by purchasing a sufficient amount of automobile coverage. For instance, getting into an accident that isn’t your fault could still cost you if you aren’t equipped with underinsured and uninsured motorists protection. Having this on your coverage will ensure you get paid for expenses for damage and bodily injuries, even if the other driver is unable to. It costs more to add on, but not by much and it’s great to have.

Derrick : Nevada: I have only one speeding ticket and my insurer is telling me that they cannot insure my vehicle? Why is this so?

Response : Insurers often raise your car insurance rates after only one speeding ticket? It’s simple. The studies  by highway safety experts show that “the faster you go, the more deadly it is,” says Jeanne, spokeswoman for the Insurance Information Institute (III), an industry trade group. “There’s a higher possibility you’re going to cause a lot of damage to people or property,” Salvatore says.

If you’re charged for speeding, your insurer may attach a temporary surcharge to your policy for three years. You may be asked to renew your auto insurance policy with a specialty insurer and their rates are normally over 50% higher than the normal insurance rates.

The size and duration of the increase varies depending on several factors, including:

• Your driving record and your relationship with the insurance company. Some insurers waive the surcharge if the customer has had a long relationship with the company and previously had a clean driving history.
• Where you live. Insurance is regulated by the states, and different states have different laws regarding the cost of car insurance. Some states don’t allow insurers to impose a surcharge for first-time speeding tickets, while others require insurers to raise rates for some speeding violations. For example, a single male driver who lives in Phoenix and receives one speeding ticket will experience an average rate increase of 16 percent, but the same driver will pay no more if he lives in Philadelphia.
• How much you were exceeding the speed limit. An analysis by USA TODAY found that 10 percent of ticketed drivers in 2002 were “extreme speeders”—drivers who exceeded 90 mph, or 15 mph above any speed limit. Extreme speeding is considered reckless driving, a major violation. Even a first-time citation can more than double the cost of car insurance and inflate your car insurance rate quote.

Speeding may also affect insurance rates other than just your auto insurance. Insurance companies may look at your driving record when deciding whether you’re a high-risk customer and could charge you higher rates for life, health, disability or long-term care insurance.

Please follow the regulations and drive safely to save your auto insurance premium and yourself.