Yes No
We Value Your Privacy. We are commited to privacy & strictly adhere to our privacy policy. For further details, please read our privacy policy.

A speeding ticket will generally raise your premiums the most. The insurance providers figure that if you are taking unnecessary risks and speeding, then it means you are more likely to get in an accident and file a claim. In some cases, a ticket for not having your driver's license holds as much weight as a speeding ticket in the eyes of the insurance company. Being pulled over by a cop once doesn't mean you only get one ticket. There are any number of offenses that you can get ticketed for, and each one will mean a separate ticket. Not wearing a seat belt, having an obstructed license plate, not having your insurance card, and each passenger under the age of sixteen not wearing a seat belt are all reasons for ticketing. They're not all weighted the same by insurers but avoid getting them in the first place if you can. A couple of ways to get out of tickets are to either fight them in court or take a driver's course that some states offer for a first time ticket. If a judge voids a ticket, then there is no count against you. You can also keep the ticket from an insurer's eyes if you choose to take a driver's course. Tickets will stay on record for between three to five years. Don't worry about parking tickets. They don't count towards insurance.

Whether or not your rates are raised in an accident will largely depend on whether or not you could be considered at fault. In most cases when you are not at fault, then your rates will not change, although this can vary depending on your specific policy and insurance provider. However, let's say you got into accident where you swerved to avoid hitting a deer and ran into a tree. As far as the insurance companies are concerned, it was not the deer's fault, it was not the tree's fault, it was your fault. Should you file a claim in circumstances where you were the only driver involved, you will be considered at-fault and your insurance rates will most likely rise. Generally in traffic accidents involving two or more drivers there will be an at-fault party. In some situations both drivers may share 50 percent of the blame, in which case both parties will be regarded as at-fault. In other cases, where the damages are not expensive (around $750 or less), the accident might be dismissed if it is under a certain amount. Multiple accidents within a time frame also won't do you any favors. Generally insurers look at a period of three years. This can cause significant rate increases if there are multiple accidents within that time frame. Accidents from more than three years ago will usually not be considered or will be dismissed. Check with your insurer to see how long they count an accident on your record. Injuries will also have an impact on rates. If you're at-fault but there were no injuries, your rates will be less affected. Driving under the influence and getting into an accident will count as a major violation and have a profound influence on your rates for many years to come. In other words, don't do it. The good driver's discount is normally between 20-25 percent, so the difference in your premiums can be substantial.

Additional Car Insurance Articles

Auto Insurance Buying Tips

There are many factors that affect insurance premiums, only some of which you can control. Starting with the ones you can't, know that demographics count. Males pay more than females and the middle-aged pay less than the y...

Safe Driving Tips

Most of us drive, and most of us have managed for many years without incident. Nonetheless, driving is actually a very dangerous activity when you consider the death rate. So here are some safe driving tips.

Motorcycle Insurance

Motorcycles are similar to cars when it comes to insurance. There are state laws mandating minimum liability coverage for motorcycles, and for the most part, you have to be insured. So to legally operate a motorcycle, you ...

Ads by Google