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.

Brad : Houston Texas : Its me again. Thanks for your information on SR22 car insurance. Please let me know why one should take a Defensive Driving Class when I do have SR22 car insurance?

Response : Defensive driving classes are good for those you are considered a high risk and for SR22 car insurance . If you need an SR22 form than it is obvious that either you are a have a very bad driving record or you have been held for a DUI conviction.

Defensive driving lessons are good not only for establishing a better judgment on the road but also help you in understanding how and why crashes occurr. In addition to the crash-avoidance information, and the state-specific traffic law refresher that comes at the end of most defensive driving classes, there are benefits beyond simply possessing new knowledge and skills that come with taking such a class.
While the specifics vary from state to state, along with the previously mentioned ability to erase a ticket from your record without your insurance rates increasing, if you take a defensive driving class without needing to clear points from your license, you could be earning a three-year long insurance rate reduction of up to 10%, and to continue the reduced rate, you can repeat the course with no problem.
Defensive driving classes come in both classroom and online formats, and last anywhere from four to eight hours. There is generally either a quiz or proof of attendance required.

Besides the defensive driving classes will help you to understand the seriousness of what implications an acccident can have and this in itself will change your own perspective and attitude since self-realization is one of the best ways of achieving success. Take up the course and let me know whether your driving habits do change and you will certainly enjoy cheaper SR22 auto insursnace quotes.

Thanks.

Brad Fallon : I had a DUI conviction and am planning to take the defensive driving class can you tell me something about what excatly the defensive driving classes are? Will it help with SR22 car insurance.

Response : SR22 car insurance is normally given for three years, however your driving lessons will help in reducing the auto insurance premium. Please do not worry about this. Every defensive driving class for DUI insurance is slightly different, but all the curricula are regulated by the state in which you take it, and teach rules and policies that are specific to where you live. Aside from the state-specific information that is usually included, there are several topics that are typically covered :
1. Awareness of reaction distance, and your own vehicle’s stopping distance
2. Awareness of environmental hazards
3. Paying attention to the road, and adapting to changing conditions
4. Learning the two-second rule for following distances
5. Right-of-way, and road sharing
6. Passing and clearance distances
7. How to handle railroad crossings
8. Safe speed adjustments
9. General information on crashes
10. Psychological factors of crashes
11. DUIs and other Driver Errors

The main aim of the course of defensive driving is directly related to crash prevention. This is because traffic accidents are almost always preventable, if you are aware of the hazards and signs. The general information will include an explanation of how a crash happens – how speed, impact point, and the size of the impacted object all determine the severity of a given crash, and how the initial vehicle on vehicle impact is only the primary collision.
Classes then demonstrate the concept of “second collisions,” which is when the driver and passengers collide with the windshield or other parts of their own car. This portion of crash analysis also includes a lot of information about seat belts, and why wearing them can save your life.
By teaching you how to analyze a crash scenario, defensive driving courses help you learn to avoid crashing.
They will also be informing you how drunk driving causes and increases the changes of the accidents, the mpact of the crash and how to prevent drunk driving.

Once you have had all the training, I am sure you will certainly appreciate this and let me know the advantages of this great training.