Let's face it, nobody enjoys getting pulled over. But beyond the immediate sting of a ticket, driving violations can have a long-lasting impact on your wallet – specifically, your car insurance rates. Insurance companies view drivers with violations as higher risks, leading to significant premium increases. This article will explain how different violations affect your car insurance, what you can do to minimize the damage, and how to find affordable coverage even after a mistake.
How Driving Violations Increase Your Car Insurance Rates (The Driver's Perspective)
Car insurance companies base your premium on a variety of factors, including your age, location, driving experience, and most importantly, your driving record. Violations are a red flag for insurers, indicating a higher likelihood of accidents and claims. Here's a breakdown of how common violations can impact your rates:
Even a minor speeding ticket can raise your rates by an average of 10-20%, according to a study by the Insurance Information Institute. The severity of the offense and your driving history will determine the exact increase.
DUIs and reckless driving convictions are the most damaging violations, leading to average rate increases of up to 263% and 86% respectively, as reported by NerdWallet. These violations often stay on your record for several years, significantly impacting your insurance costs.
Being at fault in an accident can increase your rates by an average of 35%, according to a report by Quadrant Information Services. The severity of the accident and the cost of repairs will also play a role in the increase.
How to Get Back Good Auto Insurance Rates After Violations
While a driving violation might seem like a permanent mark on your record, there are ways to lessen the blow to your car insurance:
Many states allow drivers to take defensive driving courses to reduce points associated with minor violations. Completing these courses can demonstrate to your insurer a commitment to safe driving and potentially lead to a discount on your premium.
The best defense is a good offense (driving record, that is). By avoiding further violations and accidents for several years, the impact of past mistakes will gradually diminish. Insurance companies typically look at the past 3-5 years when determining your rates.
Shopping for Car Insurance After Violations (Don't Give Up!)
Getting a driving violation doesn't have to mean sky-high insurance rates. Here's what you can do:
Don't settle for the first quote you receive, especially after a violation. Different insurance companies weigh risk factors differently, so shopping around can lead to significant savings. Utilize online comparison tools or contact independent insurance agencies like OnePoint Insurance Agency to get quotes from multiple providers.
Be upfront with potential insurers about the violation. If it was a minor offense or a one-time mistake, explaining the circumstances can help your case.
Usage-based car insurance programs, also known as telematics insurance, track your driving habits through a device installed in your car. Safe drivers with good habits can qualify for significant discounts with these programs, potentially offsetting the impact of a violation.
Find The Right Insurance Quote
A driving violation doesn't have to break the bank when it comes to car insurance. By understanding how violations impact your rates and taking proactive steps, you can navigate this situation and find affordable coverage. OnePoint Insurance Agency is here to help. We work with a network of leading insurance providers to find the best rates for drivers with all types of records. Contact us today for Free Car Insurance Quotes and see how much you can save!
