Drivers that get tickets for moving violations are seen as riskier than drivers with squeaky clean records. Tickets influence insurance, that’s why it’s best to avoid them if you can. If you do get a few moving violations, there’s a good chance that your insurance premiums will go up as a result.
The Impact Can Vary Dramatically
The cost increase that you experience from a single traffic violation will vary depending on your insurance company. Some will increase your costs for up to three years afterward. Others will hike your rates for a single year after the violation. Some companies won’t raise your rates at all for a single violation if you’ve been with them long enough.
The Severity Matters
The severity of your violations often determines how much your premiums will go up, or they will increase at all. For instance, a DUI would shoot your premiums through the roof, often leaving you with payments that are more than double what they were. Getting a ticket for going 12 over the speed limit might moderately boost your premium, and driving with a broken headlight would probably give you a mild increase if anything at all.
Your premiums will be more drastically affected if the speed you are cited for is considerably over the posted limit. This makes sense since exceeding the speed limit is commonly a factor associated with getting into more accidents. Going 5 over the speed limit isn’t going to be viewed nearly as harshly as exceeding it by 20 MPH. So getting pulled over for a serious speeding ticket is going to leave you paying more for insurance in most instances as well.
When the Increases Will Take Effect
Some insurance companies begin charging you more money immediately after a ticket has been processed, but others will wait until you renew your policy to bill you more money. It depends on the company and the policies that the carrier has in place.
Adding Points to Your Driving Record
Moving violations come with points that will be added to your driving record in most instances. In most instances, these points will stay on your record for three years, unless it’s something more serious, like a DUI. Such a violation will remain on your driving record for life. Insurers look at the number of points that a driver has, and they adjust the total premium amount based on those points.
Being Out of State Won’t Save You
Some drivers believe that getting ticketed in another state is going to keep their premiums from rising. Most of the time, that just isn’t the case. Most states share information with one another, so your insurer is going to know about that ticket, and your driving record will reflect the violation as well.
Tickets will often cost you more on your auto insurance. The best way to avoid these costs is by being careful while driving, but you can also pick out insurance companies that are more forgiving when it comes to accidents and moving violations.