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Unfortunately, traffic tickets can affect your car insurance rates.
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 risky driver (rather than just unlucky). If you’re predicted to get into an accident, you’re likely to cost the insurer more money. Therefore, your premiums hike up.
The Impact of Tickets
You’ve gotten your first traffic ticket. Not only do you feel like a bad driver, but you’re faced with a premium increase. It’s 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.
Severity Counts
While the adjustments to premiums for moving violations vary among insurance companies 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 10mph over the speed limit can have moderate effects on your rates.
- A DUI conviction can have severe consequences!
Fortunately, safe driving habits will keep you scot-free of tickets! To fully protect your journey on the roads, contact All Nevada Insurance to learn more about how auto insurance can protect you in Las Vegas, Nevada.
