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Police write more traffic tickets to boost revenue

With severe budget cuts forcing cities and states to increase revenue, police officers are filling the resource gap by writing more traffic tickets. 

Many drivers have found that the 5 to 10 mph "speeding cushion" they once enjoyed has vanished.

A recent study* found a strong link between declining revenue and increased traffic citations. The study examined 96 counties in North Carolina from 1990 to 2003 and learned that "significantly more tickets are issued in the year following a decline in revenue."

The good news, though, is that a single ticket won't necessarily send your auto insurance premium through the roof.

It's when the tickets begin to pile up that the real trouble starts -- especially if there's a DUI or other major violation tossed in.

"Multiple violations raise an automatic red flag for insurance companies, and with each new infraction can come hundreds or even thousands in premium increases," said Paula Gold, VP of Plymouth Rock Assurance, a Boston-based auto insurer. "Insurers won't give leniency to a driver who was illegally parked in a handicapped spot or has several tickets within a year's time."

Fortunately, there are ways to keep premiums low following a ticket.

"Consider increasing your deductible or bundling several policies with one provider. Also, ask for discounts -- being a safe driver can help, as can having low annual mileage," she explained. "This will help reverse some of the damage caused by a single ticket and save money over the long term."

If you have a ticket on your driving record, compare auto insurance quotes from different insurers. Each insurer views tickets differently, and switching policies could save you hundreds of dollars per year.

9 ... - InsWeb's Insurance Blog | Auto, Home, Life, Health, Renters

The number of uninsured Americans rose by 4.3 million in 2009, mainly due to job losses. Most Americans receive health insurance benefits through their employer, and rising unemployment left many without coverage.

It's no surprise that those with the lowest incomes are most likely to be uninsured. Over 75 percent of the uninsured are members of the working-class.

Contrary to popular belief, losing a job doesn't necessarily mean losing health insurance, too.

A more affordable alternative is individual health insurance. Applicants who are relatively healthy can find quality health care coverage for a lot less than the cost of COBRA.

Use InsWeb to shop and compare individual health insurance quotes from multiple insurers.

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