North Carolina Teen Drivers will face a new, and stiffer, law when it comes to how law enforcement officials deal with speeding.
Effective January 1st, 2012 drivers under the age of 18 (and all with provisional drivers licenses) who are caught speeding in excess of 15 miles per hour over the speed limit and/or driving in excess of 80 miles per hour can be arrested and taken to court. At that point in time, a judge will decide whether the NC Teen Driver will have his/her license revokes for 30 days.
As any parent of a current Teen Driver will surely attest, adding a Teen (or new driver) to a North Carolina Auto Insurance Policy is anything but cheap. As a general rule of thumb, parents of newly licensed drivers can expect a premium increase of anywhere between 1.5 to 3 times their current annual insurance premium. If that newly licensed driver were to get a ticket…your insurance premium will SKYROCKET even further.
Last weekend I was fortunate enough to have the two little ones all to myself for the day. As those of you with children know, children are wonderful for classic “lines”.
As we were driving around the Costco parking lot, Cooper saw a GEICO Car. He said, “man! that would be cool if we had an auto insurance car”. I quickly replied, “buddy, we don’t like GEICO. GEICO tries to take toys away from you and your sister. That’s why daddy has to beat them all the time!” It took a little more back and forth before both Cooper and Peyton realized that GEICO was not cool.
Flash forward to today. We are watching college football when a GEICO commercial came on. This commercial made some statement about going online or visiting a local agency. Peyton turned to me a said, “you should go down to that office and punch GEICO in the face!”
That really puts things into perspective.
On a side note! Cooper was talking to Melinda this week and the topic of car insurance & the president came up. Melinda pointed out to Cooper that I was the President of ALLCHOICE. To which Cooper extrapolated, “Daddy is the president of car insurance”.
ALLCHOICE Insurance is proud to announce that it will be the School Sponsor for both the Football & Cheerleading teams of NW Guilford High School.
The sponsorship is in conjunction with Newbridge Bank’s 2011 Football & Cheerleading Jamboree.
When asked about the sponsorship, Jack Wingate (Founder & President of ALLCHOICE Insurance) stated, “As the leading provider of Home, Auto, Business, and Life Insurance in NW Guilford County, we feel that it is vital to give back to the NW Guilford County community. The fact is, NW Guilford County has shown its support to ALLCHOICE since the beginning, this sponsorship is but a small token of our appreciation. On a personal note, as a former football player and all around sports junky…it is also really cool to get All Access Passes to the Jamboree!”
It seems like only yesterday when I opened the doors to ALLCHOICE Insurance. Now, in a little over a month ALLCHOICE will be celebrating its 7th Birthday. Just like any successful business, ALLCHOICE can only attribute its success to YOU! That’s right! We do understand that there would not have been a 1st Birthday (much less a 7th) without the faith and support that our customers have placed in us.
As a way to say thank you, ALLCHOICE is will be giving away a NEW Apple IPAD 2 to one deserving customer!
ALLCHOICE Insurance is proud to announce that another NW Guilford family has joined the ALLCHOICE Family.
This Browns Summit family had been insured with Nationwide Insurance for a number of years before taking a look at what ALLCHOICE Insurance had to offer. After analyzing the family’s current insurance protections, ALLCHOICE discovered that the family had been sold minimum auto liability limits. Even worse, the family was unaware of what those coverages actually protected them from.
After speaking with the family, ALLCHOICE was able to convey what type of risk they was present given those minimum limits. The family agreed that they should increase those liability limits in order to bring their protection more in line with their exposure.
In the end, ALLCHOICE Insurance was able to educate the family with regard to their various coverages, as well as save the family 18% on their insurance premiums.
As we approach Memorial Day, we can expect to see an increase in traffic on both highways and roads. As you can imagine, the frequency of auto related accidents increases as the number of automobiles on the roads increase. Unfortunately, holidays are a great time for local authorities and State Troopers to increase their attention towards automobile usage and violations.
Statistics show that there is an ever growing cause for automobile accidents over the past few years. That cause…Cell Phone Usage (more importantly TEXTING). In order to deter drivers from giving in to one of these dangerous distractions, many states have imposed some tough laws banning usage while driving an automobile. As a North Carolina based Insurance Agency that focuses on providing Auto Insurance, we would like to provide you some information regarding these laws.
Below you will find information about the various laws in NC, SC, VA, and TN:
State – NC
Hand-Held Cell Phone Usage Ban – NO
Young Driver Cell Phone Ban (All Usage) – 18 Years Old & Younger
Texting Ban – ALL DRIVERS
Enforcement* – Primary
State – SC
Hand-Held Cell Phone Usage Ban – NO
Young Driver Cell Phone Ban (All Usage) – NO
Texting Ban – NO
Enforcement* – NA
State – VA
Hand-Held Cell Phone Usage Ban – NO
Young Driver Cell Phone Ban (All Usage) – 18 Years Old & Younger
Texting Ban – ALL DRIVERS
Enforcement* – Secondary
State – NC
Hand-Held Cell Phone Usage Ban – NO
Young Driver Cell Phone Ban (All Usage) – Learners Permit & Intermediate License Holder
Texting Ban – ALL DRIVERS
Enforcement* – Primary
*There are two type of “Enforcement” shown above. ”Primary” indicates that authorities have the right to stop you for simply violating the Cell Phone / Texting Law. ”Secondary” indicates that authorities may not stop you for for violating the Cell Phone / Texting Law, but instead must first stop you as result of another violoation (i.e. speeding).
On this special day, ALLCHOICE Insurance would like to wish everyone a happy and safe Valentine’s Day!
Love truly is this world’s most special gift!
In an attempt to keep this Blog informational, and not just “sappy”, allow me to pass on some interesting information from a recent study.
According to a study done by GfK Roper, nearly 33 percent of all drivers engage in some form of “romance” while operating a motor vehicle. Interestingly enough, that is not just on Valentine’s Day.
Twenty-nine percent of drivers surveyed for the InsuranceQuotes.com poll acknowledge they’ve been amorous behind the wheel. That number climbs to 39 percent for highly educated drivers (at least a bachelor’s degree) and high-income drivers (at least $75,000 in annual earnings).
The fact is that 16 percent of all “Fatal Crashes” were attributed to “Distracted Driving”. Now, “distracted driving” includes many things such as: texting, emailing, talking on cell phones, and even “smooching”.
So, enjoy this special day of LOVE, but please do it responsibly.
ALLCHOICE covers insurance for
all companies, including technology, manufacturing, property management, contractors, small business and non-profit organizations.
ALLCHOICE provides Health Insurance for individuals, families and small businesses. We offer Co-Pay Plans, HSA's, Medicare Supplements, and Dental Insurance.
