Automobile insurers rightfully want to know if you have recently broken the traffic laws and received a citation for it. Once you receive a ticket it goes to your driving records and can be seen by carriers. As a result, your auto insurance rates would be affected a little or a lot depending on the severity of the traffic violation. That is why it is important to know when they drop off your records and stop influencing your premium.
Large number of traffic tickets stay on Motor Vehicle Records for three years in most states. It is five years for DUI in most cases but can be as much as seven years. In most traffic offences you will get about 3 points deducted from your driving license and it will stay on your records for three years. This slightly changes depending on which state you are in. It could be four points and four years and so on.
Vehicle insurance companies will be able to see these tickets on your DMV records and consider them at your next renewal normally. But they may act on things like DUI before waiting the renewal period. The same applies if you suddenly start picking a few tickets or you already had several of them. Although it largely depends on the state you live, vehicle insurers can terminate a policy if they have a good enough reason. For example, discovering that you didn’t tell them about several traffic violation tickets could be one of them. It is up to the policyholder to keep the insurers up to date with these types of details about drivers insured.
Usually, most companies look at last three years of driving history and claims reports. Of course they will see whatever on your records but the last three years is the most important. Also, recent tickets and accidents weigh more than older one. In other words, you are penalized more for a reckless driving or speeding ticket you got last year than the one you received two years ago. Claims are the same.
How much does your car insurance rates increase after a ticket? This depends on the type of a ticket, if it is the first ticket or another one in your record and your insurer. Every company has a different car insurance surcharge for each type of ticket. That is why you are advised to get a few quotes after a ticket gets recorded on your name.
How to Reduce the Impact of a Ticket on Auto Insurance?
Quite a few drivers make one mistake and learn from it. They shouldn’t be penalized for it forever. Here are some of the ways to negate or prevent the premium increases due to traffic violation charges.
- Fight the Ticket: If you are at an early stage you should look into getting a ticket dismissed or see if there is another way of avoiding the charges. Some states allow motorists to attend a course instead of getting charged with an offence like speeding.
- Get a New Quote the Moment Driving Records Are Cleared: You can arrange your policy in a way that it expires just after the date your records will be cleared off the offense. Or you could buy a longer policy that comes with no cancelation charges. Once you have a clean driving records again you should look to find the insurer with the cheapest car insurance for you now by getting a few quotes.
- Find Other Discounts You Overlooked: When the premium doesn’t appear to be expensive people don’t look into the possible discounts. As soon as they feel that they are paying too much they start searching for alternative quotes and looking into all the discounts they can get. Generally there are at least one or two sizeable discounts people overlook.