Traffic Tickets & Your Auto Insurance: Learn How a Ticket Will Affect Your Premium's Rates

See how a traffic ticket raises your insurance rates. 

Whether itâ's a fix-it ticket or a speeding ticket, we all hate the much-dreaded traffic ticket. However, a traffic ticket is much more than just a nuisance. A traffic ticket can stay on your driving record and increase your auto insurance rates. The more serious the offense, the more your rates will increase. Learn how a traffic ticket affects your auto insurance rates. Non-Moving Violations: Whether itâ's a broken tail light or a parking ticket, from time to time, you get a ticket for non-moving violations. While these types of tickets arenâ't very serious, itâ's important to take care of them. If you donâ't fix them, they could add up, and cause you trouble later on including increasing your insurance rates. Minor Violations: While any violation of the law can result in a ticket, some violations arenâ't as serious as other. Minor violations, such as not wearing a seatbelt, arenâ't going to have catastrophic consequences. However, they will increase your auto insurance rates a bit. Generally, these increase averages at about five percent. Moderate Violation: More serious violations like speeding or driving recklessly, increase your driving risks. Therefore, you wind up paying more when it come to your insurance rates. When speeding, your insurance rates can increase on average by 28 percent. Drive safely to keep your insurance rates low. Serious Violations: When your bad drive habits turn into a serious crime that comes with jail time in addition to a traffic ticket, your insurance rates are sure to spike. Alcohol and driving donâ't mix. If youâ're caught drunk driving, expect your insurance rates to skyrocket. The average auto insurance policy increases by 94 percent after getting a ticket for drunk driving. When it comes to your auto insurance, keep your rates low. Practice safe driving and avoid any traffic tickets. For help finding the right policies, contact the professionals at Cook, Disharoon & Greathouse, Inc. Located in Oakland & Pleasant Hill, California, we serve all your personal and commercial insurance needs.