Will Traffic Tickets Affect Insurance?

Will Traffic Tickets Affect Your Insurance Rates?

Getting a traffic ticket can be a real bummer. Not only are you faced with the penalty costs, but you might also fret about your insurance rates shooting up. Well, you can rest a little easier. Turns out, only 31 percent of people polled had their insurance rates go up as a result of getting a traffic ticket, according to a recent survey by InsuranceQuotes.com.

Contrary to popular opinion, your insurance company isn't big brother and is not constantly checking your driving records once you're over the age of 25, according to traffic expert Walter Meyer. But drivers between 16 to 25 are the exception as they are monitored more. So don't fret too much about your premiums when you get a traffic ticket, chances are, your provider may not notice.

Here are some tips to prevent your insurance rates from rising after a traffic ticket from InsuranceQuotes:

  • Wait on it. A traffic ticket affects your insurance premiums if you shop for a new policy a few years after receiving one, because the provider will always obtain a driving report when evaluating you.
  • Good driving record. If you seem to have a fairly good driving record and haven't filed any previous insurance claims, your rates might not go up even if you do get a ticket.
  • Clean your record. Do your best to remove dings from your traffic record. Some states let you remove traffic violations from your record if you take driving classes.
  • Bundle it up. Some insurers are more forgiving of your traffic violations if you purchase other forms of insurance, like life insurance, with the same provider.
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