Auto Insurance is expensive enough˳ You do not need a traffic ticket to make your premiums go up even higher˳ That is why it is important to drive carefully, courteously and within the legal speed limits˳ This way, you will give no reason for a police officer to pull you over and hand you a summons in regard to irresponsible driving patterns˳
You may wonder˳ The ticket itself involves a fine˳ Why would you be penalized any further by your insurance company?
To be honest, your insurance company is not interested in punishing you˳ They are solely out for their own interests˳ When they see you have been convicted for a moving violation, they view that as a peril to their operations˳ Traffic violations demonstrate to the insurance company that you are at more risk of being a part of a car accident or collision than someone that has a clean driving record˳ A car accident, in insurance terms, means there will likely be a claim that they will cost them money˳ The insurance company balances the risk of an auto accident claim with a raised premium or added charge˳
Of course each company gauges its response to a poor driving record individually˳ By and large though, they have a team that looks at the general behavior you have exhibited when you are behind the driving wheel˳
And when deciding the amount of the rate increase, the insurance company will consider the severity of the traffic violation˳
So, if you are committed of drunk driving, you will find yourself up against an extremely strict reaction in regard to a rate increase˳ If you have merely been ticketed for a broken headlight, judgement meted out against you will be mild˳ And if you have been found to be speeding 15 miles above the city limits, you will get a higher increase than if you would have been speeding only five miles beyond the posted mileage˳
People often ask about parking tickets˳ For the most part, the motorist who receives a parking ticket need only worry about paying that ticket˳ The insurance company will not raise your rates if they see that you are responsible about your bill and they do not view a parking summons as a concern in regard to your likelihood of being involved in a car crash˳
The line of thought goes far beyond a car˳ Whether you drive a truck, van, motorcycle or other type of vehicle, your rates can go up if you have been convicted of a moving or speeding violation˳
For more on the topic, speak to an experienced independent insurance agent˳
Source by https://ezinearticles˳com/?Traffic-Violations,-Auto-Insurance,-and-Your-Rates&id=9868147
