How receiving a traffic ticket could affect your automotive insurance rate.

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Traffic Tickets and Your Insurance Rates
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2. Traffic Tickets and Your Auto Insurance
Traffic tickets can affect your auto insurance. They can
result in a fine and points on your license and your
insurance rates may rise.
But, not all traffic tickets have the same effect on your
auto insurance. Minor traffic tickets do not usually
seriously impact your auto insurance rates. If you collect multiple (two or
more) minor traffic tickets in three years, that frequency may trigger a
raise in your auto insurance. One minor ticket could be a mistake;
multiple minor tickets in a short time period signals to auto insurance
companies that you may be a risky driver.

3. Traffic Tickets and Your Auto Insurance
Severe tickets may result in higher increases to your auto insurance
payments. The higher increase is in correlation to the higher severity
of the ticket.
A few examples of severe tickets are:
– DUI
– OWI (in most states)
– Reckless driving
– Driving with a suspended license
– Leaving the scene of an accident

4. Traffic Tickets and Your Auto Insurance
What you can do:
In the event that you do receive a ticket, check your state's
deferment options. These options change from state to
state. A common deferment option is traffic school. By
going to traffic school (or another deferment option) you
may be able to keep the traffic ticket from appearing on
your driving record. No ticket record, no increase in auto
insurance that is ticket related!

5. Traffic Tickets and Your Auto Insurance
These increases to your auto insurance do not go into effect
immediately and are not permanent. Your auto insurance company
will typically raise your rates after reviewing your driving record once
a year. This would be when they would see your traffic tickets.
The surest way to keep your auto insurance rates from raising due
to tickets is to simply not receive any traffic tickets! Drive safely and
responsibly.

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contained therein. No warranty or appropriateness for a specific
purpose is expressed or implied.

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