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Does Running a Red Light Increase Your Auto Insurance Rates?

Published on January 10th, 2019

The answer to this question is that if you are caught running a red light or stop sign in Illinois, you’ll typically be looking at a fine and demerit points added to your driver’s license. And yes, that may also cause auto insurance companies in Illinois to increase your insurance rates as thousands of Americans are killed and injured yearly because of these violations.

Make the Stop

At a red light, either solid red or flashing, or a stop sign, motorists must make a complete stop prior to reaching a clearly marked stop line or entering the crosswalk on the near side of the intersection. And if there is no stop line or crosswalk, the driver needs to stop before entering the intersection itself.

Right-on-Red Rule

Illinois law allows motorists to make a right turn after stopping at a red light, so long as there’s no sign prohibiting it. But drivers must use caution and follow right-of-way rules when making a right-on-red turn.

Yellow Lights

In Illinois, a steady yellow light is just a warning that the light is about to turn red, and you’re allowed to enter an intersection while the light is still yellow, just not after it has turned red.

Fines and Points for Violations

Typically, the fine for a red light or stop sign violation in Illinois is $120 for a traffic stop and $100 for light camera tickets. The conviction also adds 20 demerit points to your driving record.

Further, depending on the circumstances, a red light or stop sign violation could also result in a reckless driving conviction, and for violations involving the death of another person, reckless homicide charges are possible.

Ways To Avoid a Rate Increase

  • Contest the ticket – If you think you really have a valid reason, challenge the ticket to try to get the conviction set aside.
  • Defensive driving course – You may remove demerit points by taking a defensive driving course.
  • Shop around – Some companies are more forgiving than others, and you might shop around to find the best auto insurance rate.

Call Us Today

At Accurate Insurance, we’re willing to help you even if you have a few bruises on your driving record. So, call us today at 1-800-999-1034, and we’ll work to find a rate that fits your budget.

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