For some people, there are few things in life as enjoyable as driving. Especially on a beautiful summer day, hitting the road in your car can be one of the most relaxing, fun things to do. But all that changes when you see police lights flashing in your rearview mirror. Your amazing day has soured and you’re in for a pricey little surprise from the officer.
But what kinds of tickets will cause you the most grief? Read on to find out.
How does a traffic ticket affect insurance rates?
Most of the American population has been guilty of more than one of these common traffic violations. Whether you’ve been caught is another story.
Which traffic tickets affect insurance rates the most?
Tickets for the following traffic offenses have the greatest impact on your car insurance premiums.
Some traffic tickets affect your car insurance premiums more than others. Some result in modest increases and a few others put the hurt on your pocketbook. The ones above are some examples of traffic tickets that affect your insurance, including a few that hurt the most.
How does one speeding ticket affect insurance?
Depending on how fast you were speeding by, your rates could increase anywhere from 21 to 29%.
What type of tickets affect insurance?
Any moving violation will affect your insurance, as these tickets will be put on your driver record. Your insurance carrier will see the record and raise your rates. Switching insurance might help lower your premium, but other carriers will be able to see your moving violation, too.
There are some types of tickets that don't affect insurance, however. Nonmoving violations (or violations that occur when you're not driving) may not appear on your record, depending on your state. Parking tickets, for example, almost never affect your insurance.