Do car insurance rates go up if you get a traffic ticket?
I'm 20 and got a ticket for running a stop sign. I'm still on my parents' insurance and they're concerned their rates will go up. How quickly does that happen?
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Answered on Jun 11, 2021
“Policies are normally re-rated at renewal. This means every six or twelve months car insurance carriers have the ability to make any changes or adjustments to your rates.
If you’ve submitted a claim, gotten into an accident, or received a ticket, you’ll likely see your rates change at this time. Based on your age, the ticket may impact your rates more significantly than a more experienced driver.
Your parents can always reach out to their carrier directly. They may be able to provide them with additional information.
Insurance carriers also provide insured individuals with a renewal notice prior to their policy expiring. This will list their policy premium as well as any changes.
If the rate does increase, this is a great time for them to shop around with other carriers. They may be able to find a more affordable rate elsewhere. “
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