Cause & Effect: A Traffic Ticket & Your Auto Insurance

Traffic Ticket & Your Auto Insurance in Phoenix, AZ

Surprise, surprise. A ticket isn’t great news for the cost of your auto insurance premiums.

The fewer risks you take on the road, the fewer risks insurers take on by writing your auto insurance policies. Because they’re less likely to have to shell out for your mistakes, they’ll offer you more affordable coverage. The opposite is true, though. If you get a traffic ticket, you’ll be seen as a riskier driver and will end up paying more for your car’s policy.

Your insurance agents are reasonable people, and they know that not all tickets are created equal. For example, if you’re pulled over for not wearing your seatbelt (a mistake that doesn’t put others in danger), your premiums should only increase by about 3 percent.

Common driving mistakes like failing to stop at a stop sign, speeding, and tailgating will all cause a fairly significant increase in your premiums. If you get a ticket for any of these illegal activities, expect your premiums to increase somewhere between 10 and 15 percent.

More severe infractions that put more people in danger result in greater rate increases. For example, a DUI or reckless driving can easily spike your premiums by 20 percent or more!

The good news? If you got a ticket you don’t think you deserve, you can contest it later. Just make sure you don’t pay the fine; that’s an admission of guilt! You can also potentially have a ticket removed from your record provided it was a relatively minor violation. Traffic school or a defensive driving course could help you get back your clean driving record.

Your insurance agent should be there to advise you on how a traffic ticket will affect your auto insurance rates. Are you getting that kind of service? To get connected with a knowledgeable, dedicated team, contact American Premier Insurance, serving Phoenix and neighboring cities in Arizona.