Will a Traffic Ticket Result in Higher Car Insurance Premiums?

Will a Traffic Ticket Result in Higher Car Insurance Premiums?

One of the biggest concerns some drivers have is wondering if getting a traffic ticket will likely lead to an automobile insurance rate increase. The good news is that no, not every citation will result in a higher premium. The reality is, traffic tickets are treated differently depending on their severity. It is much like how the state or locality you live in treats citations.

For example, what are referred to as non-moving violations (like parking tickets) are minor and will rarely, if ever, result in higher car insurance premiums. These are usually inexpensive to resolve and are inconsequential when it comes to auto insurance rates.

Moving violations are another story. Relatively minor infractions like minimal speeding infractions or not fully stopping at a stop sign may not immediately impact rates. However, when they build points on your driving record, it could eventually lead to higher auto insurance premiums. Speeding, especially when excessive, can lead to a charge of reckless operation, and now you are heading into higher insurance premium territory. There is a big difference, for example, between a citation for going 41 in a 35 mph zone and getting a ticket for going 82 in a 55 mph zone.

Now,  where you are getting into an area where higher insurance rates are likely is in instances where you are cited in an at-fault accident, especially if there were injuries involved. If alcohol is involved and injuries occur, higher insurance rates may be the least of your problems. Injury accidents involving an impaired driver may lead to license suspension, large fines, and even result in jail time.

Like many things in life, auto insurance rate increases are relative to the situation involved. There is no need to fear a minor issue, but be prepared for the consequences of more serious violations. It is hard to argue the logic behind the thinking.

If you feel your auto insurance rates are getting a bit too high, especially if there doesn’t appear to be a logical reason for the increase, contact us. As independent insurance agents, we are qualified to research multiple companies in search of auto insurance rates you can afford, without increasing risks unnecessarily. Contact us to get the help you need today!

Good Friends a Lifetime of Trust

Leave a Comment





Small Steps, Big Rewards: The Power of Achievable Goals

November 20, 2024

The Toyota 2000GT: A Game-Changer in the Automotive World

November 19, 2024

The Appalachian Trail: A Hiker’s Dream

November 15, 2024

Down on the Corner: A Business Indicator for the Ages

November 14, 2024

The Ironies of Life Insurance: Why You Need It Now

November 13, 2024

Why Car Insurance Rates Are Rising: A Breakdown of Contributing Factors

November 12, 2024

Stress-Free Landlording: The Benefits of Hiring a Property Manager

November 11, 2024

Don’t Let Liability Claims Ruin Your Business

November 7, 2024

6 Simple Steps to a Longer Life

November 6, 2024

Maximize Your Return: Tips for Selling Your Used Car to a Private Buyer

November 5, 2024

Protecting Your Condo: Understanding Condo Insurance

November 4, 2024

Boosting Your Motivation: Tips for Staying Positive and Productive

October 31, 2024

Moving Made Easier: Tips for a Stress-Free Transition

October 28, 2024

Top 10 Blog Topics: What’s Trending in the Digital World?

October 25, 2024

A Century of Retail: From Department Stores to Online Shopping

October 24, 2024

Using Your Smartphone for Self-Care and Inspiration

October 23, 2024

Electric Vehicles: Beyond the Hype

October 22, 2024

Navigating College Living: A Guide for Parents

October 21, 2024

Radio: More Than Just Noise

October 18, 2024

Protecting Your Business: Why Insurance is Essential

October 17, 2024

The SUV Revolution: Porsche’s Cayenne Turbo GT Redefines the Luxury SUV

October 15, 2024

Protect Your Event: The Importance of Special Event Insurance

October 10, 2024

Your Life Insurance Application: A Blueprint for a Healthier Life

October 9, 2024

Understanding Auto Insurance: A Simple Guide

October 8, 2024

Save on Homeowners Insurance: 5 Simple Tips

October 7, 2024

The Penny: A Relic of the Past?

October 4, 2024

Protect Your Profession: The Importance of Professional Liability Insurance

October 3, 2024

More Than Just a Cup of Joe: The True Cost of Your Daily Brew

October 2, 2024

Protecting Your Modern American Dream: A Guide to Homeowners Insurance

September 30, 2024

America’s Party Capitals: Where the Fun Never Stops

September 27, 2024

From Lemonade Stands to Launchpads: The Entrepreneurial Spirit

September 26, 2024

The True Cost of Loss: Why Life Insurance Matters

September 25, 2024

From Keychains to Keyless Entry: The Evolution of Auto Industry Promo Items

September 24, 2024

Clutter Crisis: Common Household Multipliers

September 23, 2024

America’s Spookiest Destinations: A Chilling Exploration

September 20, 2024

Beyond the Daily Grind: Crafting Your Business Exit Strategy

September 19, 2024

Sleep Better Tonight: The Unexpected Benefits of Life Insurance

September 18, 2024

Is It Time for a Car Insurance Checkup? Key Moments to Reevaluate Your Coverage

September 17, 2024

Vanishing Acts: Everyday Items Disappearing from Our Homes

September 16, 2024

Candy Cravings: Sweet Facts and Surprising Truths

September 13, 2024

Gems: America’s Underrated Zoos

September 6, 2024

Reputation Repair: How to Handle Online Haters and Protect Your Business

September 5, 2024

Earthbound Adventures: 5 US Destinations That Feel Out of This World

August 30, 2024

The Art of Conversation: Asking the Right Questions

August 29, 2024

Time Flies: Unraveling Common Time-Related Phrases

August 28, 2024

Car Crazy: Uncovering the Hidden Truths About Our Vehicles

August 27, 2024

Soaring Costs: Why Building Materials Are Breaking the Bank

August 26, 2024

Are You Normal? Let’s Check the Stats!

August 23, 2024

Beyond the Obvious: Uncovering Your Hidden Competitors

August 22, 2024

Mr. Cheapo’s Bootcamp: Slash Your Spending and Save Big

August 21, 2024

Karl Benz: The Father of the Automobile

August 20, 2024

Summer Safety Checklist: Protecting Yourself and Your Loved Ones

August 19, 2024

Sunshine State Surprises: Hidden Facts About Florida

August 16, 2024

Shield Your Business: Protecting Your Assets Every Day

August 15, 2024

Weather Extremes: From Frosty Records to Fishy Falls

August 12, 2024

Off the Beaten Path: Quirky Destinations for the Unconventional Traveler

August 9, 2024

Is Your Website a Dinosaur? Time for a Digital Makeover!

August 8, 2024

From the Track to the Big Screen: A Lap Around the Best Racing Movies

August 6, 2024

College Survival Guide: Whip Up These Easy Meals!

August 5, 2024

Remember Those Cereal Box Toys? A Blast from the Promotional Past!

August 2, 2024

Contact Us

-CONTACT US

OUR LOCATION

Have A Question?

We have an answer. Call us at 1-844-471-8952

3501 Coffee Rd. Suite 1 AModesto, CA 95354

1-844-471-8952
CA License # 0I56011

© Copyright 2024 Toste Insurance Services  |   All Rights Reserved
Site by ICA Agency Alliance

3501 Coffee Rd. Suite 1 AModesto, CA 95354
1-844-471-8952
CA License # 0I56011

© Copyright 2024 Toste Insurance Services  |   All Rights Reserved
Site by ICA Agency Alliance