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Winston Salem, North Carolina Auto Insurance


Winston-Salem in North Carolina is home to many long, flat stretches of highway. It is easy to lose track of your speed when you are thinking about all of the things you need to worry about on a daily basis. Newer cars, with all of their buffers between you and the road, make it especially easy to allow your speed to drift up over the limit before you realize it. With any luck, you will discover you're speeding and slow down before anything happens. If you're really lost in thought, you may be startled by flashing police lights behind you instead.

Trying to Avoid Speeding on Straightaways

You can take some steps to keep track of your speed as you travel long, flat straightaways through Winston-Salem. If your car has a cruise control system, make sure it is engaged as soon as you reach the appropriate highway speed. Make it a habit to check your speedometer regularly, like at the end of each song on the radio. Your likelihood of reaching extreme speeds will be reduced dramatically if you remember to check it once every five minutes or so.

Hefty Consequences for Speeding

If you are caught speeding, the consequences can be severe. Driving 85 mph in a 55 mph zone, for example, could cause your license to be suspended and your insurance rates to skyrocket. If you happen to have a child in the car with you, the officer may issue a reckless driving ticket for endangering a passenger. Even if it is your first offense, you will earn 7 points against your license, which will place you in a higher risk bracket with your insurance company. Your annual rates will increase dramatically, no matter what your previous driving record looked like.

Understand Your Liability

One of the first things you should do after receiving a speeding ticket is to research specifically how the ticket could affect you. Find out how many points you will earn based on how fast you were going compared to the stated limit. Contact your insurance agent to discuss the possible ramifications for your insurance rates. Learn about the local regulations regarding driver's license suspensions to find out if you could possibly lose your license for a period of time. Understanding what you are facing is a good way to begin working toward reducing the possible consequences.

Reducing the Impact of a Citation

If the penalties you are facing are severe, you should consider hiring an attorney. A good attorney can help you find ways to reduce the punishment so that you can better afford the consequences. A clean driving record, the way you behaved when you received the ticket, and even your current occupation could help reduce the penalties somewhat. Most lawyers will be able to negotiate a plea bargain that can help keep your insurance costs down and protect you from losing your license. To learn more about insurance rates in Winston-Salem, enter your zip code into the form on this site to request quotes from several insurance companies.

It is great to get the best deal possible when it comes to automobile insurance, but do you know some of the things to avoid, so your insurance premiums do not skyrocket? There are several things that can make your insurance increase drastically, and the key to preventing this from occurring is to make certain you do not have any of these factors working against you.

Living in Winston Salem, North Carolina, you will want to be sure you have the best insurance you can because of all the people driving around town. Considering the population is around 185,000, it will certainly be in your best interest to get insurance to protect your vehicle in the event you are involved in an accident.

One way to help you get the lowest possible rates on your vehicle insurance is to shop around. There are so many people who do not take the time to shop around and this is ultimately a huge mistake. The only way to get the lowest price on your car insurance is by shopping around. You can easily do this online.

It is a good idea while you are shopping around to know what the minimum amounts are. The minimum amounts for liability are $30,000 per individual for bodily injuries you cause to the other persons, and up to $60,000 for all, and $25,000 if you have damage to some ones personal property.

You can certainly save money if you just get the minimums listed above, but you may want to get more coverage to make certain you are protected. So, weigh out the quotes with the coverage when it comes to vehicle insurance to make certain you are getting the absolute biggest bang for your buck.