The Impact of Traffic Violations on Your Auto Insurance Premiums

A speeding ticket or a citation for running a red light is more than just an immediate financial burden; it can also have long-term effects on your auto insurance premiums. Elevated Insurance Group sheds light on how traffic violations can impact your insurance costs.

Types of Traffic Violations

• Minor Violations:​ Speeding, illegal turns, etc.
• Major Violations:​ DUI, reckless driving, etc.

How Violations Affect Your Premium

Minor Violations

• A minor violation might cause a small increase in your premium, but some insurance companies offer forgiveness for the first offense.

Major Violations

• Major violations can result in a significant premium hike and could even lead to policy cancellation in extreme cases.

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Points System

• Many states operate on a points system, where each violation adds points to your driving record. Accumulating too many points can result in license suspension and will undoubtedly increase insurance premiums.

Mitigating the Impact

• Defensive Driving Courses: Some insurance companies offer discounts for completing an approved course.
• Good Driver Discounts: Maintain a clean record for a certain period to qualify for a reduced rate.

  
Traffic violations can have a lasting impact on your auto insurance premiums. The severity and frequency of the infractions play a significant role in how much your rates will increase.

Concerned about how a recent traffic violation might affect your auto insurance premium? Contact Elevated Insurance Group today for a personalized consultation and guidance on how to mitigate the impact on your rates. Drive safe, stay insured.