How Traffic Tickets Affect Automobile Insurance Rates
Thursday, October 22, 2020
Maintaining affordable car insurance requires responsible driving and understanding traffic laws. You may be asking yourself will a traffic ticket increase my auto insurance? The answer is yes. Most drivers are aware that a traffic ticket can cost you money, but how does a traffic ticket affect your auto insurance rates? Understanding the rules may go a long way to saving you money and making you a more cautious driver.
Speeding Tickets And Insurance Rates
All tickets are serious when you consider your financial blow for breaking the law. Paying the fees may only be the beginning of the cost; your insurance rates could also go up. Remember that more tickets equal a higher risk when you apply for insurance coverage.
The rules concerning speeding differ state to state; in some cases, there may be stepped fines according to how far over the posted limit your auto was traveling. Other states have strict rules for any violation over the limit. First-time offenders may not see fines or points on their driver’s license. However, multiple speeding infractions will raise your rates and could put you in a position to lose your driving privileges.
Major Traffic Tickets
Driving under the influence of alcohol is a major driving offense in any state. In South Carolina, a DUI is on your record forever. Leaving the scene of a hit and run, especially if injuries are involved, is considered major and will likely require going to court. Both of these scenarios will result in points on your driver’s license and an increase in your auto insurance costs. Depending on local laws, you could carry those points on your license for two or more years, which will raise your premiums.
Traffic School And Reducing Points on Your License
Points on your driver’s license will show up in any inquiry from an insurance provider. The point system varies according to state laws, but points will cost you no matter the scenario. You may be wondering how to lower your car insurance after a speeding ticket. A little bit of research should help you find a state-approved traffic school offering programs for reducing your points and fines for a speeding ticket. Defensive driving courses can reduce points and improve your risk assessment when insurance rates are on the line.
Traffic Tickets For The Uninsured
Can you get a traffic ticket for no insurance coverage? If you are an uninsured motorist, you run the risk of multiple restrictions if you receive a traffic ticket.
According to South Carolina Law:
Your driving privileges, license plate, and vehicle registration may be suspended, and you may have to pay up to a $550 reinstatement fee. You will also have to pay $5 for each day your vehicle was uninsured, up to $200, according to the SCDMV.
The jeopardy of driving without car insurance could leave you unable to drive at all, and the associated costs are quite steep. Most states require a minimum coverage to operate a vehicle; you may want to research your state laws to be sure you understand those rules and regulations.
The best way to maintain affordable auto insurance is to avoid breaking the law. Mistakes happen, and if you find yourself with a traffic ticket, your Independent Insurance Associates are here to advise you. We can answer your questions and help you navigate the rules and regulations to improve your driving record. Contact us to review your current auto policy today!
