WEDNESDAY, JANUARY 27, 2021
As a driver, you are expected to follow the rules of the road. Speed limits, stop signs, no passing zones and countless other rules exist to keep you safe behind the wheel, not to put unfair restrictions on you. These rules are particularly important to Colorado drivers, where it’s easy to go from busy urban centers to winding and hazardous mountain roads in no time.
To be a responsible driver, you must do your part to keep the roads safe for everyone, including yourself. If you get caught breaking the law, then you will likely face tickets, fines and the potential for a dreaded SR-22 certificate. This could affect your ability to both maintain your driving privileges and qualify for affordable auto insurance.
Why Driving Infractions are Serious
The most recent state vehicle crash statistics show that there were more than 118,000 vehicle wrecks in Colorado in 2017, which led to more than 600 fatalities. A car accident, no matter how minor, is still very serious, and one of the leading causes of accidents is poor driving habits. Therefore, drivers who don’t follow the rules of the road are much more at risk of having a wreck.
The police will crack down on those who break driving laws simply because they want to keep accident risks to a minimum. Therefore, anything from speeding, to using a mobile device behind the wheel or driving drunk could lead you into a lot of trouble with the law. The penalties might include:
One lesser known but equally severe penalty might be a termination of your auto insurance policy, or a significant hike in your premiums.
Insurers will look at your driving record to gauge how much of a cost risk you are for them to invest in. Therefore, if they see a lot of infractions and tickets on your driving record, they will view you as more likely to file a claim that will cost them money. They might have no choice but to increase your premiums to cover the cost risk. Some will go further by terminating your policy because they cannot continue to assume the risk of providing that level of coverage to you.
Improving Your Driving Record
You don’t want to face the hassle and high costs of making a mistake behind the wheel. The good news is it’s not difficult to improve your driving habits in a few simple steps.
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Do not use a mobile device under any circumstances.
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Do not drink alcohol if you plan to drive.
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Consider taking a safe driving course to improve your skills.
The more attention you pay to the rules of the road, the safer you’re likely to be. However, regardless of your record, you still need car insurance. Our committed team of agents is here to help you get the perfect coverage solutions at the most affordable prices.
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