What Does a Ticket Do To Your Auto Insurance?

 Landed yourself a traffic ticket? Find out how it impacts your pocket. 

Your auto insurer takes many factors into consideration when determining your rate: your age, car make and model, annual mileage, location, and your history of traffic tickets.

More often than not, when you have a driving record stained with moving violations and speeding tickets, your insurance company will view you as a riskier motorist than most. If you are predicted to get into an accident, you are likely to cost the insurer more money. Therefore, your premiums increase!

The Impact of Tickets
It happens to the best of us. Whether you just nudged past the speed limit to make it to work on time or got distracted by the radio, getting pulled over by the police often means that you will face a traffic ticket.

There are several reasons drivers speed. Three of the most common reasons are:

  • Inadvertently – From time to time, many motorists look at their speedometer to find that they are traveling ten to twenty miles over the speed limit. Once they realize this, they will reduce their speed.
  • Purposely – Of course, there are also drivers who choose to speed and aren’t surprised at how fast they’re going!
  • Distracted – Despite best intentions, some of us get distracted by music, kids, and life, and completely lose track of how fast we are driving.

Regardless of the reason, it is never fun to face the consequences of getting pulled over by the police and receiving a ticket! Not only do you feel like a bad driver, but you face having to pay a steep fine and higher auto insurance rates.

It is impossible to predict exactly how much your insurer will bump the cost up; one company may raise your rates for three years, another may apply a surcharge which will be removed after 12 months of no more tickets or offenses.

Severity Matters
While the adjustments to premiums for moving violations vary among insurers and the driver’s record, you can expect to see bigger rate increases for more serious violations.

For example:

  • Driving with a broken headlight is considered a low-impact ticket.
  • Driving 10 miles per hour over the speed limit can have moderate effects on your rates.
  • A DUI conviction can have severe consequences! Find out the true cost of a DUI.

Fortunately, safe driving habits will keep you scot-free of tickets! To fully protect your journey on the roads, contact Mayer Insurance to learn how our auto insurance policies can cover you in Apple Valley, Minnesota.