{"id":10497,"date":"2024-12-24T15:31:34","date_gmt":"2024-12-24T15:31:34","guid":{"rendered":"https:\/\/veloxinsurance.com\/blog\/?p=10497"},"modified":"2025-01-28T14:03:52","modified_gmt":"2025-01-28T14:03:52","slug":"atlanta-traffic-influence-on-insurance","status":"publish","type":"post","link":"https:\/\/veloxinsurance.com\/blog\/atlanta-traffic-influence-on-insurance\/","title":{"rendered":"Atlanta\u2019s Traffic Patterns and Their Influence on Auto Insurance"},"content":{"rendered":"\n

What affects auto insurance rates in Georgia is not just your age and driving history. Some Atlanta drivers might be surprised to learn that traffic congestion is a big contributor to how much you pay for a policy each year. So, as you brave the morning crawl in Atlanta traffic, take a moment to learn the ins and outs of auto insurance<\/a> in Georgia to steer them in your favor. <\/p>\n\n\n\n

Navigating Atlanta\u2019s Traffic Woes<\/strong> <\/h2>\n\n\n\n

If you are asking yourself, \u201cWhy is there so much traffic in Atlanta?\u201d, you are not alone. The answer often points to a growing population and a public transit system that hasn\u2019t kept up with the demand. Whether you consider all your route alternatives, sitting on the I-85 highway in Atlanta for an hour is no fun. <\/p>\n\n\n\n

As a matter of fact, the Clever Real Estate data service company disclosed in its best and worst cities for commuters<\/a> report that Atlanta drivers spend an average of 74 hours sitting in traffic each year. Heavy traffic zones are hotbeds for fender benders, which can indirectly raise premiums over time. The more you know about these patterns, the better you can plan to save time, money, and stress. <\/p>\n\n\n\n

Understanding Why Insurance Rates Spike in High-Traffic Cities<\/strong> <\/h3>\n\n\n\n

Living in metropolitan areas can be exciting but will affect your car insurance rates. High-traffic cities like Atlanta are prime locations for museums, Piedmont Park adventures, and, unfortunately, accidents that can spike policy rates. It is a well-known fact that traffic congestion causes frequent wrecks. <\/p>\n\n\n\n

The Role of Accident-Prone Zones in Rate Calculations<\/strong>\u00a0<\/h3>\n\n\n\n

Insurance rates aren\u2019t just about the quality of your driving skills; they also depend on what is determined to be a high-risk area to drive. City locations that are considered accident-prone zones, statistically see more traffic incidents than others. <\/p>\n\n\n\n

Depending on who you ask, some Atlanta locals may consider the Spaghetti Junction (1-285 and I-85) and Peachtree Street as some of the most accident-prone zones. Busy intersections, poorly maintained roads, and areas with complex traffic patterns do play a major role in your insurance cost. <\/p>\n\n\n\n

Laws and Regulations Impacting Atlanta Drivers<\/strong> <\/h2>\n\n\n\n

Traffic laws exist to keep you and other drivers safe by regulating actions like speeding, DUIs, turning at red lights, and the growing issue of street racing. <\/p>\n\n\n\n

The Hands-Free Georgia Act, passed in May 2018, is the state\u2019s way of saying, \u201cStop trying to juggle driving and texting.\u201d According to the Georgia Governor\u2019s Office of Highway Safety<\/a>, drivers are strictly prohibited from holding or touching their phones while driving. <\/p>\n\n\n\n

Hands-free tech is allowed. However, texting while behind the wheel is against Georgia law as well as the following: <\/p>\n\n\n\n