Traffic tickets usually come with fines, but one of the most common ways that traffic violations could hurt you is by making your insurance rates go up. Most states have what is called a “point system” that assigns a certain number of points to different types of traffic violations. If you accumulate enough points, your insurance company may increase your policy rates. The dollar amount will vary depending on the insurer, but it could be significant. Five of the most common traffic violations that increase rates the most are:
Running A Red Light
Distracted Driving / Texting While Driving
If you are cited for any of these violations, your insurance rates may go up. The best way to avoid a rate increase is to obey the traffic laws and avoid getting a citation. By driving safely and carefully, you could save money on your insurance premiums in the long run.
How Do Points Systems Work In Different States?
Traffic violations could result in points being added to your driving record. The number of points added varies by state, as does the way that points are assigned and what offenses lead to points. In some states, a traffic violation that leads to points will also raise your insurance rates.
For example, in Georgia you get two points for speeding 15 – 18 mph over the limit and six points for speeding more than 34 mph over the speed limit. If you get 15 points within a 24-month period, your license will be suspended. Your insurance company will also likely raise your rates if you have any points on your record.
In Florida, on the other hand, speeding will result in three points being added to your record, but if you speed at levels considered “reckless,” you will have four points added. If you accumulate 12 points in a year, your license will be suspended for 30 days. And, like Georgia, your insurance rates will go up if you have any points on your record.
How To Handle A Traffic Violation
If you get a traffic violation, there are a few things you could do to minimize the impact on your insurance rates. The most important thing is to try to avoid getting any more tickets and make sure you are insured. You could also take a defensive driving course. Defensive driving courses could often lower your insurance rates. If you have a clean driving record, you may be able to get your ticket dismissed.
To get your traffic ticket dismissed, you will need to appear in court and show the judge that you’re taking steps to improve your driving. The judge may dismiss your ticket if you have a clean driving record, and you show that you are willing to work on improving your driving. If your ticket is dismissed, your insurance rates will not go up.
Keep Your Insurance Rates Low With Safe Driving
There are many things that could affect your car insurance rates, but one of the most controllable is your driving record. By avoiding common traffic violations, you can maintain a safe driving record and keep your premiums down. To find out more about what tickets affect insurance rates and what type of car insurance is best for you, contact Acceptance Insurance and let one of our knowledgeable agents work with you to get the right coverage for your needs. Visit us online to get a no-hassle, free quote today!
Common Questions Asked About Traffic Tickets That Raise Insurance Rates
Will A Ticket For Running A Red Light Affect My Insurance?
A ticket for running a red light could affect your insurance rate. Most tickets that affect your insurance rates are related to reckless driving or drunk driving. If you receive a ticket for running a red light, it will likely increase your car insurance rates.
What Is The Average Increase In Car Insurance Rates For A Traffic Violation?
Traffic violations can lead to fines and, in some cases, increased car insurance rates. While the average increase in rates varies depending on the state, as well as the severity of the violation, most drivers can expect their rates to go up after a ticket.
Can I Get A Lower Car Insurance Rate If I Have A Clean Driving Record?
If you have a clean driving record, you may be able to get a lower car insurance rate. To get the lowest auto insurance rate, be sure to avoid common traffic violations that could raise your insurance rates like speeding, running a red light, and driving under the influence.
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