Tickets for moving violations won’t stay on your record forever, but the amount of time they’ll affect your car insurance rates depends on the severity of the violation and the state you live in. Before hitting the road, take a look at these statistics to see how your actions can impact your pocket.
How Much Will it Go Up?
If you’re in a hurry and going 15 miles per hour or less over the speed limit, keep in mind that insurance rates rise by 21% upon receiving a ticket for this offense, according to InsuranceQuotes.com. Or, if you forget to use your blinker or tailgate the car in front of you, a rise of 19% for insurance can be expected. If you’re running really late and decide to use the carpool lane and you’re by yourself, your rate will likely rise by 18%. Lastly, getting a ticket for a DUI will probably raise your rate by 94%, and a ticket for reckless driving will likely cause an 85% raise.
Since insurers base their rates on experience, violations that cause premiums to jump the most are ones that they have found to be very strong indicators that the driver is likely to have a future accident. However, insurance rate increases depend on where you live. Here are the three most expensive and inexpensive states for car insurance:
- Michigan: $2,738
- Montana: $2,297
- New Jersey: $1,905
- Maine: $808
- Ohio: $900
- Wisconsin: $912
If you are in a state with high insurance rates that are rising due to tickets, remember that violations don’t stay on your record forever, and that most first time infractions will impact you for about 3 to 5 years. However, that also depends on the severity of the violation and the laws in your state.
Ways to Decrease Your Rates
You may want to consider a few ways to cut your car insurance rates, if possible:
- Increase your deductible
- Choose the pay-as-you-drive option
- Comparison shop
- Ask about discounts
- Only purchase what you need
- Bundle different insurances under the same company
- Maintain good credit
Before getting on the road, keep your insurance rates in mind and how a ticket can affect those rates. Be a safe driver and keep your rates down!