Traffic violations can lead to more than just fines and penalties. They can also cause a big increase in your car insurance rates. Whether it’s a speeding ticket, a DWI charge, or running a red light, each violation can affect how much you pay for auto insurance. Here’s how traffic violations can impact your rates and what you can do about it.
How Traffic Violations Affect Insurance Rates
Insurance companies look at your driving history to see how risky you are as a driver. A clean record means you’re less likely to have accidents, while a history of traffic violations suggests you may be a higher risk. Because of this, insurers often raise premiums for drivers with infractions on their records.
Common Violations That Affect Insurance
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Speeding Tickets
If you get caught speeding, your insurance rates may go up, especially if you’re speeding a lot. Getting multiple speeding tickets can make your rates go up even more.
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DUI/DWI Charges
Driving under the influence (DUI) or driving while intoxicated (DWI) is a serious offense that can cause a big rise in your insurance premiums. Insurance companies see these violations as very risky.
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Reckless Driving
Reckless driving includes things like tailgating or cutting through traffic. These violations are seen as signs of unsafe driving, and insurance companies tend to charge higher premiums for these drivers.
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Running Red Lights or Stop Signs
Running red lights or stop signs can show that you don’t follow traffic rules, and it’s often linked to accidents. Insurance premiums can go up after these violations.
How Long Do Violations Impact Insurance Rates?
The length of time a violation affects your rates depends on the type of violation. Minor violations may increase your rates for about three years, while serious violations like DUIs can raise your rates for five years or more. However, as time passes, the effect of these violations on your premiums can decrease.
What Can You Do to Lower Your Rates?
If a traffic violation has caused your insurance rates to go up, there are a few things you can do. First, consider taking a defensive driving course, which may help lower your rates. You can also shop around for a new insurance policy or raise your deductible to reduce your premiums.
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This post was written by a professional at Burger Law. Burger Law delivers reliable legal representation to individuals and businesses throughout Poughkeepsie, NY, and the greater Hudson Valley. Led by Anthony P. Burger, our firm offers personalized, results-oriented counsel in areas such as Traffic & DWI Defense and Corporate Law. Whether you’re navigating a legal challenge, purchasing real estate, or starting a business, we provide honest advice and strong advocacy every step of the way. At Burger Law, we value integrity, clear communication, and achieving the best possible outcome for every client. Contact us today to get the legal support you need.
