Edited sentence: As a direct consequence to this insurance companies have benefited from this practice.As a direct consequence to this many State Administrations have been reluctant to increase the speed limit on State roads.As motorist are charged with speeding violations their drivers licenses are assigned "violation points".By keeping speed limits "unreasonably" low the logical conclusion to this effort is that more motorist will appear to "speed".If a driver either cannot be covered under an insurance policy because of high risk the State will of assume that high risk for a greater monetary amount; thus resulting in even more revenue generation for the State.Insurance companies rarely compete with each other as their premiums are determined by state guidelines.The more points accumulated on a license the more of a risk a insurance company will associate with the driver.The same state of course; that sets the speed limits which results in a revenue generating enterprise between itself and the insurance companies.This admittance has rarely been voiced or acknowledged.This association between the State and insurance companies is further solidified by the State insisting (through laws and policies) that "all" drivers have insurance policies with the insurance companies.This gives law enforcement personnel the authority to issue traffic citations and thus improve the States revenue.This has a direct consequence of increasing insurance premiums thus resulting in greater revenue for the insurance company.Traffic violations have proved to be a great source of income for many states