At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates. Two of the most costly citations to receive are DUI and reckless driving. Louis drivers found guilty of reckless driving face insurance rate increases of $956 per year, compared to the citywide average. A DUI violation may lead to a $949 increase, while a citation for speeding leads to a $580 rate hike. AVERAGE ST. LOUIS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT Incident/Violation Average Annual Rate DUI/DWI $3, 488 Reckless Driving $3, 495 At-fault Accident (damages less than $1, 000) $3, 505 At-fault Accident (damages greater than $2, 000) $3, 837 Speeding Ticket (16-20 mph over speed limit) $3, 120 Learn more about citations' impact on your auto insurance rates. Louis auto insurance rates by credit level One of the byproducts of a good credit score is lower car insurance costs.
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Gift experiences, not things. Generally speaking, it's a good mantra. But as we hunker down for a long, COVID-19 winter, there's a way to do a bit of both. Give the gift of video games—a socially distant form of entertainment and communication, and an excuse to get together with friends in something other than a Zoom room. We might not be able to hang together, but at least we can play together. It helps that 2020 was an exceptional year for the gaming industry. Between Nintendo's Mario Kart Live: Home Circuit, which proved a gaming giant could finally nail augmented reality, and the sleek industrial design of the new Xbox Series S, gaming has proven it's a category of maturity that's still open to experimentation. Here are some of our favorite gifts for the gamer, or soon-to-be gamer, in your life. Is it minimal design? No way. This stuff is overt, glowing, and vying for your attention. It invites play. [Photo: Microsoft] Xbox Series S If Dieter Rams designed a video game console, it would be the Xbox Series S ($299).