Can moving violations impact your car insurance rates?

I got a ticket for running a red light and improper passing. Will this affect my insurance?

Answer
“Your car insurance rate could increase if you get a ticket for a moving violation such as you described. Due to the ticket, insurers deem you a riskier driver and adjust their rates higher to correspond to the increased risk.
If the tickets occurred during your current policy period, you won’t see an increase in your rate right now. When your renewal notice comes, you may see an increase in your rate.
Every car insurance carrier is different. Depending on how your insurance carrier rates policies, you could see a small or large increase. If your rate does increase, you can always shop car insurance quotes online. By looking at several carriers, you may be able to find a lower rate, even after you receive a ticket.”
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Emily Maracle
Answered on Jul 29, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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