How long do tickets on your driving record impact your rate?
How long will tickets impact my insurance rate? I have three tickets on my record from the past year. My insurance rates skyrocketed.
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Answered on Jul 07, 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.
“There are a variety of factors that car insurance companies look at when determining a rate for someone. Your driving record is one of them.
Most insurance carriers look at the last three to five years. After that, tickets, accidents, or other incidents tend to stop impacting your rate.
Since your insurance has increased significantly, you should look into other carriers. Some carriers don’t rate tickets as highly as others.
Depending on the type of ticket you have, you may be able to find a lower rate elsewhere. You can request car insurance quotes online to compare rates with a variety of carriers.
If you’re unable to find a lower rate right now, you should continue to shop around every policy renewal. As time goes on, your rate should decrease.”
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