You probably already know that getting a ticket could increase your car insurance premiums, but did you know that the increase percentage varies based on what the ticket is for? Safer drivers tend to have lower insurance premiums, but we all make mistakes and even minor infractions can have a huge affect on your next insurance bill.
Insurancequotes.com recently put together a list of “unlucky seven” top premium-raising traffic tickets by reviewing the consequences of the 17 most common moving violations in the US, based on data from the largest carriers in each state.*
We’ve included the list for you below:
1. DUI: 93% increase
2. Reckless Driving: 82% increase
3. Careless Driving: 27% increase
a. 1-15 mph over the limit: 21% increase
b. 16-30 mph over the limit: 28% increase
c. 31+ mph over the limit: 30% increase
5. Failure to Stop: 19% increase
6. Failure to Yield to Pedestrians: 19% increase
7. Driving in a Carpool Lane: 18% increase
So what does this mean for you?
It’s time to drive sober, pay attention to the road and slow down. Depending on the policies of your insurance company, drivers with a good record can sometimes avoid the negative consequences of a ticket on auto insurance rates by taking driving classes, and some companies will even “forgive” a minor offense.
If you do get a ticket, shop around to make sure you’re getting quality coverage at the best price. Every insurance agency is different, and you wan’t to be with one that has your best interests in mind.
*Rates are based on a hypothetical married and employed female driver with a bachelor’s degree, clean deriving record, and good credit rating, who drives a 2012 sedan with coverage limits of $100,000 in bodily injury, $300,000 in property damage, $100,000 in uninsured/underinsured motorist, $10,000 in personal injury protection and a $500 deductible.