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Scranton, Pennsylvania Car Insurance

Avoid Higher Insurance Rates in Scranton

Some Scranton highways, like Interstate 81, have areas that are marked at 55mph. The majority of the highways have a 65mph limit, but many don't realize that state legislature deems these slower stretches of road a higher risk. Because they don't know why the limit is lower, many drivers ignore the posted limit and continue to drive at speeds of up to 70mph. If the police stop these drivers, they face hefty speeding fines as well as increased insurance rates.

Double Traffic Fines

The Pennsylvania Code states that the fines for driving above the speed limit in these highway safety corridors are double the fines for exceeding the speed limit on normal stretches of road. Lawmakers created the lower speed limits to keep drivers safe in areas that the Pennsylvania Department of Transportation's studies have shown higher rates of serious accidents. The traffic citation you receive when you are speeding through a highway safety corridor will cite reckless driving as well as exceeding the speed limit, which could cause your insurance rates to go up.

Impatient Drivers Raise Danger Levels

When drivers who do not realize the seriousness of speeding violations in these areas ignore the signs, they create a more dangerous environment for all. Many drivers, anxious to get ahead in traffic, can behave erratically behind the wheel as they try to drive around others who follow the posted limits. Accidents can happen when impatient drivers weave from lane to lane and tailgate slower cars, interrupting the flow of traffic. The cars that obey the speed limit are doing the right thing, but often feel threatened by the erratic driving of aggressive drivers.

Tickets and Accidents Raise Insurance Rates

Insurance companies base your rates in part on the roads in your area, which you presumably drive regularly. If you ignore posted speed limits on slower highways, you greatly increase the risk of an accident on that road. The more accidents there are, the more everyone in the vicinity will pay for insurance across the board. You do not have to be involved in an actual accident yourself to be affected by higher insurance rates due to the general danger of the roads you typically travel.

Risks of Speeding on Reduced Speed Highways

Ignoring the designated limits in high-risk corridors could cost you dearly in traffic fines and higher insurance rates. You also run the risk of being involved in a high-speed accident. The faster your speed at the time of a collision, the higher your risk of being injury and death becomes. Following the speed limit will save you money, keep you safe, and help to protect those who must share the road with you.

If you are one of those drivers who choose to obey the speed limit in high-risk corridors, you can probably find a better rate than what you pay now for car insurance. To find out if you can get a better rate, enter your zip code into the form at the top of this page.

If you reside in Scranton, Pennsylvania, there is an excellent chance that you will need car insurance. This type of insurance is required to operate a vehicle legally in most states and you will need it to make certain you have at least the minimum amount of insurance in order to pay for any damages that may occur if you are involved in an accident.

However, the cost of insurance can really get expensive, so it is very important that you do all you can to trim the costs of your car insurance. Listed below are some ways for you to reduce the costs of car insurance and help save you money:

1. Increase the amount of your deductible. This is a great way for you to save money on your car insurance. Many people are really surprised just how much money they can save by doing this one simple thing. If you can afford a deductible of $1000, it is a great idea to set it as that.

2. Talk to your insurance agent. You will be surprised just how much information you insurance agent can give you. They are well educated in the area of car insurance and work really hard to help give you the best advice they can. It would really pay you well to pay attention to what they have to say.

3. Try to put all your insurance needs on one policy. This can really help to save you a lot of money. If you can put your home, auto and anything else on one policy, you will have a much better chance of saving money and ultimately reduce the amount of car insurance that you have to pay over time.