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I Just Got A Ticket – How Will My Insurance Rates Be Affected?
It is no surprise that your auto insurance premium will increase as a result of the ticket you just received. While you may be inclined to feel frustrated that your insurance carrier is penalizing you on top of the punishment you are already paying in the form of ticket fees, your auto coverage rates are dependent on your responsibility on the roads. This means that each traffic violation and accident affects how much you pay each month for auto coverage. Gathered is a list of the top traffic tickets that cause a significant premium increase so that you can avoid making these mistakes:
- While you may be inclined to assume that there is no harm in riding in the carpool lane so that you can get to work on time, getting caught driving in the carpool lane can result in an approximate 18 percent premium increase.
- In a rush and tempted to speed in front of a crowd of pedestrians so you do not have to wait an additional couple minutes? Your impatience can result in a 19 percent premium increase. Failure to yield to pedestrians is dangerous, which is why you are punished accordingly.
- Likewise, rolling a stop sign because you are in a hurry can result in a 19 percent premium increase. This dangerous act causes avoidable accidents each year.
- We all know that speeding increases insurance rates, but did you know that percentage increases are determined by how much you are over the speed limit? Driving 1 to 15 miles per hour over the speed limit can result in an approximate 21 percent increase and an even heftier increase if you are speeding over 15 miles per hour over the speed limit.
- Never get behind the wheel if you have been drinking, even a couple beers, because this can result in a 93 percent premium increase for an extended period of time, since DUIs and DWIs remain on your record for years.
Contact Cook, Disharoon & Greathouse, Inc., in Oakland for all of your Northern California auto insurance needs. We will go above and beyond to get you the absolute best coverage all for the right price!
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