A Practical Way to Avoid Being Involved in a Work Zone Crash

If you want affordable car insurance, learning a practical way to avoid being involved in a work zone crash can help you reduce your claims history and obtain cheaper rates. When entering a work zone, turn on your headlights, double your following distance, and reduce your speed. Operate with extreme caution even if you don't see workers on the road. You can access free car insurance quotes and a practical way to avoid being involved in a work zone crash online at anytime.

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UPDATED: Feb 3, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Feb 3, 2022Fact Checked

Here's what you need to know...

  • A work zone is not always stationary
  • You should slow down and turn on your lights whenever you enter a work zone
  • The most common type of accident to occur in a work zone is a rear-end collision

Driving safely should always be your top priority. Therefore, it’s in your best interest as a driver to be prepared for anything, and that includes driving through work zones. Getting into accidents can increase your rates, so if you want to keep your affordable car insurance, knowing a practical way to avoid being involved in a work zone crash will help you reduce your chances of hurting someone and having a claim filed against you.

Plus, if you’re shopping online for a new car insurance company, learning a practical way to avoid being involved in a work zone crash will help keep your claims history clean. This is important to know because if you have a less than desirable driving history, your insurance rates could end up being quite high even if you switch to a new company.

Keep reading to discover what to do if you do not see workers in a work zone, what is true of work zones, and how to avoid getting into trouble when driving through a work zone.

It’s important to learn a practical way to avoid being involved in a work zone crash. However, if you think you are already prepared for such a scenario, enter your ZIP code to begin comparing free insurance quotes right away.

What should drivers do when traversing through a work zone?

When driving through a work zone, you should always operate with extreme caution. When you enter a work zone, slow down, turn on your headlights, and remain alert — whether or not you see workers present. Now, it’s important to bear in mind that a work zone may not always be stationary. If there is a moving vehicle that is mowing, painting lines, or plowing snow, that also counts as a work zone.

You’ll be able to recognize that you are in a work zone because the area will be marked by orange signs with black lettering or symbols.

Now, if you are experiencing some type of distress or a blown out tire, the proper thing to do is to activate your flashers. Then, you will need to slowly move to the shoulder of the road — or out of the way of traffic — to avoid becoming involved in an accident and safely receive whatever assistance you need.

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What is the most common type of crash that occurs in a work zone?

Rear-end collisions are an incredibly common occurrence in a work zone. You can reduce your chances of this happening to you by doubling the following distance between you and the car in front of you.

Here’s a good driving tip to help avoid any type of accident: If you are driving on a dry roadway at 50 miles per hour, you will need at least 300 feet to come to a complete stop once you apply the brakes. However, if the roadway is wet, you will need 400 feet to bring your car to a full stop after applying your brakes.

Now, if you happen to get into an auto accident, understanding car insurance policy coverages will come in handy. For example, if you hurt someone while driving, your liability coverage could help that individual cover their medical bills.

But not all accidents only end in injuries. Many fatal accidents occur in work zones, so you should always do your best to drive safely, not just for yourself but for everyone around you as well.

What happens if a driver commits a moving violation in a work zone?

Every state has its own traffic laws, but don’t assume that you will get off with a light warning if you speed or commit some other kind of moving violation while driving through a work zone. For example, according to the DMV of Pennsylvania, you could be fined an extra $25 if you don’t have your headlights turned on when you’ve been pulled over in a work zone.

Do moving violations increase a driver’s car insurance rates?

If you’ve caused an accident or have a history of receiving speeding tickets, you may very well see an increase in your insurance rates, and sometimes those increases can be quite high. Below is a data table that illustrates exactly how much your insurance could increase if you have a tainted driving record:

CompaniesClean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
Allstate$3,819.90$4,483.51$4,987.68$6,260.73
American Family$2,693.61$3,025.74$3,722.75$4,330.24
Farmers$3,460.60$4,079.01$4,518.73$4,718.75
Geico$2,145.96$2,645.43$3,192.77$4,875.87
Liberty Mutual$4,774.30$5,701.26$6,204.78$7,613.48
Nationwide$2,746.18$3,113.68$3,396.95$4,543.20
Progressive$3,393.09$4,002.28$4,777.04$3,969.65
State Farm$2,821.18$3,186.01$3,396.01$3,636.80
Travelers$3,447.69$4,260.80$4,289.74$5,741.40
USAA$1,933.68$2,193.25$2,516.24$3,506.03
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As you can see, if you want to purchase car insurance, knowing a practical way to avoid being involved in a work zone crash can make that task easier on your wallet. It’s in the best interest of your budget to always drive at the mandated speed limits and follow safe driving practices.

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Can drivers lower their insurance rates?

Drivers who have seen their rates increase after being issued a speeding ticket or two don’t have to fret. There are plenty of ways that you can reduce your rates, and one of the easiest methods is to ensure that every discount for which you qualify has been applied to your policy.

Are you uncertain as to which discounts could save you money? If so, take a look at this extensive list of discounts offered by most insurance companies:

Types of Car Insurance Discounts Available

Vehicle DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hybrid VehicleOnline ShopperNon-smoker/Non-drinker
Lane Departure WarningOn-Time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer
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Now, if you need to find a more affordable car insurance company, having a practical way to avoid being involved in a work zone crash won’t always be your best alternative. The best tool for that job would be the internet. You can shop online to compare multiple quotes and determine which company offers the most discounts and the best coverage.

What You Need to Know About Avoiding a Work Zone Crash

If you want to obtain low car insurance rates, learning a practical way to avoid being involved in a work zone crash can help you in more ways than you may expect. Understanding when you’re in a work zone — and what to do when you find yourself in one — can help you avoid accidents. This, in turn, can help you maintain your stellar driving history  which will allow you to be seen by insurance companies as a low-risk driver and provide you access to more affordable rates.

Don’t forget that you can obtain free car insurance quotes and a practical way to avoid being involved in a work zone crash whenever you access the internet via your smartphone or personal computer.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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