Blog

In today’s fast-paced world, being prepared for the unexpected is more important than ever. With U.S. traffic fatalities reaching a 16-year high and distracted driving surging since the pandemic, having the right insurance is no longer a luxury — it’s a necessity.

According to the 2022 Travelers Insurance Risk Index, 79% of drivers admit to making or taking calls behind the wheel, and 56% confess to reading texts or emails while driving. The result? A staggering 42,915 lives lost on American roads in 2021 alone, with distraction being a leading cause. At our Plymouth, Minnesota agency, we take these statistics seriously. That’s why we offer comprehensive travelers insurance and auto coverage that go beyond the basics to keep you, your family, and your investments safe.

The Power of Protection — Beyond the Road

While many associate travelers insurance solely with flight delays or lost luggage, it encompasses far more. It’s about protecting your journey—wherever it starts. Whether you’re:

• Driving across the Minneapolis–St. Paul area,
• Heading out on a family road trip,
• Or flying to your next adventure,

We offer our clients policies that are designed to provide peace of mind. With smart coverage options like telematics programs, you can even get rewarded for safe, focused driving.

Telematics use smartphone data to track habits like braking, speeding, and phone use while driving—helping clients become safer drivers and often reducing premiums in the process. Engaged users in these programs are shown to be 57% less distracted and 65% safer overall, according to Cambridge Mobile Telematics.

Local Expertise. National Carriers. Personalized Service.

Based in Plymouth and serving the entire Twin Cities metro, we’re proud to offer Travelers Insurance among other top-rated carriers. Our mission is to match you with the best product, price, and policy available anywhere in Minneapolis–St. Paul.

Whether you need insurance, auto, home, or business insurance, we’re here to make sure every second of your journey is protected.

---

Get a Free Quote Today
It only takes a few minutes to safeguard your next trip—and your future. Contact us now for a customized quote on travelers and other essential insurance coverage.

A new pilot program aimed at reducing speeding and improving pedestrian safety could soon bring automated traffic cameras to intersections in Minneapolis and Mendota Heights Minnesota. Expected to launch in August 2025, this initiative will monitor traffic violations such as speeding and running red lights—bringing Minnesota in line with other states already using similar technology.

What’s Happening?

In 2024, Minnesota lawmakers approved a pilot program allowing the use of automated cameras for traffic enforcement. The program is set to run from August 1, 2025, to July 31, 2029, after which an independent evaluation will determine its effectiveness. If successful, this could lead to a broader statewide adoption.

Currently, 17 states use both red-light and speed cameras, while nine states use one or the other. The remaining states, including Minnesota, have yet to implement either system—but that’s about to change.

Why the Change?

The Minnesota Department of Transportation (MnDOT) conducted a study in 2023, finding that traffic cameras reduce crashes, injuries, and fatalities. In fact, studies show a 19-56% decrease in severe or fatal crashes where these technologies are in place.

Minneapolis has seen the real consequences of speeding and red-light violations:

• 31 fatalities from speeding-related crashes in 2022-2023.
• 16 deaths from red-light-running accidents in the same timeframe.
• On average, 150 people die or suffer severe injuries in Minneapolis traffic crashes annually, with speeding as a key factor.

Community sentiment also supports this initiative. Feedback from Vision Zero questionnaires revealed that 62% of respondents favor the implementation of traffic cameras—suggesting a strong public interest in making roadways safer.

How Will It Work?

The pilot program includes the following enforcement measures:

• First-time violators will receive a warning.
• A $40 citation will be issued for exceeding the speed limit by 10+ mph.
• A double fine applies for speeding 20+ mph over the limit.
• Unpaid fines can escalate to $84.

Notably, these citations will not affect driving records or result in license suspension or revocation. Citations are sent to the vehicle owner, but owners can contest them if they were not driving, had sold the vehicle, or if it was stolen.

Importantly, all violations must be verified by a trained enforcement agent before being finalized. Additionally, cameras cannot capture identifying images of drivers or passengers, ensuring privacy protection.

Before enforcement begins, there will be a one-month warning period, and the Minneapolis Police Department (MPD) will not oversee or implement the program.

What’s Next?

City leaders plan to gather public input on camera locations through a series of community meetings until mid-May. Finalized camera locations will be determined over the summer, with implementation set for August 2025.

Why This Matters for You

As an insurance agent, I know this news might raise concerns—especially if you’ve had previous speeding tickets or simply enjoy driving fast. The reality is, these cameras are coming, and stricter enforcement could impact drivers more than ever.

My best advice? Always drive the speed limit. But if you’ve had past speeding tickets or are concerned about your insurance rates, I can help. With over 30 years of experience as an independent insurance agent, I specialize in finding the best coverage, price, and policy for my clients—including those with SR-22s and high-risk profiles.

If you’re looking to lower your premiums, get a free quote today. Let’s explore options from multiple insurance providers to ensure you’re getting the best deal possible.

📞 Contact me now and see how much you could save!