09/04/2024 The Impact of Traffic Tickets on Your Insurance Rates

Traffic violations happen every day—one moment you’re cruising, the next, you’re slapped with a ticket. But here’s the kicker: these tickets can do more than just dent your wallet—they can also drive up your insurance rates. 

Don’t worry, you’re not alone in this. At Flickit, we have top-tier lawyers ready to fight your tickets, giving you the best shot at a dismissal and keeping your insurance premiums from skyrocketing.

In this article, we’ll explore how specific traffic violations like speeding can impact your premiums, which tickets affect insurance, and how you can soften the blow.

How Traffic Tickets Affect Insurance Rates

When it comes to insurance, not all traffic tickets are created equal. If you’ve ever wondered which tickets affect insurance the most, you’re not alone. Generally, any traffic violation can lead to a hike in your premiums, but the extent of that hike depends on the nature of the offense. Minor infractions, like rolling through a stop sign, might lead to a small bump, while major violations, like reckless driving, can send your rates skyrocketing.

One of the biggest culprits? A speeding ticket. If you’ve racked up speeding fines and penalties, expect your insurance to reflect that. A speeding ticket can affect insurance rates significantly, especially if you were far above the speed limit or if it’s not your first offense. More serious violations like DUIs or running a red light can result in even steeper increases—or worse, your insurer might decide to drop your coverage altogether.

The bottom line: traffic tickets and insurance premiums go hand in hand, but the severity of the violation plays a major role in determining just how much you’ll be paying.

Do Moving Violations Affect Insurance?

Absolutely, moving violations can take a serious toll on your insurance rates. When it comes to what tickets affect insurance, moving violations are right at the top of the list. These include offenses like speeding, running red lights, and improper lane changes—all of which signal risky driving behavior to insurers.

Let’s talk specifics. Got insurance for speeding tickets? You’ll likely see your premiums jump after just one. Multiple violations? That’s when the real pain sets in. Insurers view drivers with frequent moving violations as high-risk, which means higher rates or, in some cases, even losing your coverage.

Then there’s the dreaded ticket with no insurance. If you’re caught driving without coverage, not only do you face fines, but it’s also a red flag for insurers when you try to get back on track. Even if you manage to get insurance afterward, it’s almost guaranteed your rates will be higher.

In short, moving violations can be costly—both in fines and in long-term insurance expenses.

Do Non-Moving Violations Affect Insurance Rates?

When it comes to what tickets affect insurance, non-moving violations usually aren’t the biggest concern—but they can still have an impact. Non-moving violations include things like parking tickets, broken tail lights, or expired registrations. While these infractions typically don’t lead to a spike in your insurance rates, they can add up in other ways. For instance, repeatedly ignoring a fix-it ticket could lead to fines, license suspension, or even getting slapped with a ticket with no insurance if your coverage lapses.

While non-moving violations are less likely to cause your premiums to skyrocket, they still reflect on your driving habits, and multiple offenses could raise a few eyebrows with your insurer. Plus, if they’re linked to more serious issues—like driving an uninsured vehicle—it’s a different ball game. Don’t be surprised when your premiums increase after one violation. But with FlickIt, you can always contest and minimize any damage to your premiums.

Specific Traffic Violations and Their Impact on Insurance

Moving violations are a category of traffic offenses that can significantly impact your insurance premiums. Whether it’s speeding, running a red light, or using your cell phone while driving, moving violations by state vary, but they all have one thing in common—they raise your rates. The more serious the violation, the bigger the hike. Here’s a breakdown of how certain traffic violations can hit you where it hurts:

• Speeding: The speed demon of insurance hikes. A speeding ticket can rev up your premiums by 20% or more, depending on how fast you were going. The more tickets you collect, the more your rates accelerate—insurance for a driver with multiple speeding tickets can really burn rubber!
• Red Light Violations: Running a red light isn’t just dangerous—it’s a surefire way to see red on your insurance bill. This moving violation signals risky behavior to insurers, potentially leading to a significant rate increase.
• Illegal Turns: Taking an illegal turn could turn your insurance rates in the wrong direction. Whether it’s a U-turn where it’s not allowed or turning right on red when prohibited, these violations can add up to costlier premiums.
• Failure to Signal: Not using your turn signals might seem minor, but it can signal major increases in your insurance rates. This moving violation suggests careless driving habits, which insurers frown upon.
• Stop Sign Violations: Rolling through a stop sign can bring your good driver discounts to a screeching halt. This moving violation is taken seriously by insurers and can result in noticeable premium increases.
• Cell Phone Use While Driving: In many states, using your phone while driving is a moving violation that can disconnect you from lower insurance rates. As distracted driving becomes a growing concern, insurers are cracking down on this behavior with higher premiums.
• Reckless Driving: This is considered a severe violation, leading to hefty premium increases and possibly even policy cancellation. Reckless driving suggests a high-risk driver, which insurers want to avoid at all costs.
• Driving Without Insurance: Getting caught without insurance is a major red flag. You’ll face fines and penalties, and when you try to get insured again, expect much higher rates. Insurers see this as a significant risk factor.
• Seat Belt Violations: Not buckling up doesn’t just lead to fines—it can also impact your insurance. Many states strictly enforce seat belt laws, and repeat offenses might bump up your rates as they signal careless driving habits.

Each of these violations tells insurers something different about your driving habits—and none of it is good for your wallet!

With over 20 years of direct legal experience, we specialize in contesting all types of moving violations, particularly speeding tickets, across multiple states. Our goal is to help you avoid points on your license – a crucial factor in keeping your insurance rates in check. By developing personalized defense strategies and leveraging our state-specific knowledge, we work diligently to potentially reduce or eliminate the points associated with your violation.

Mitigating the Impact of Traffic Tickets on Insurance

Got a traffic ticket? Don’t panic—there are ways to soften the blow on your insurance rates. Here are some strategies to help you out:

• Fight the Ticket. The first step in reducing the impact is to contest it. At FlickIt, our expert lawyers specialize in fighting traffic tickets to help you get them dismissed or reduced, giving you the best chance at keeping your premiums low.
• Take a Defensive Driving Course. In some cases, completing a state-approved course can remove points from your record and stop the ticket from affecting your insurance. It’s a small investment that can save you big in the long run.
• Shop Around for Insurance. Not all insurers treat violations the same way. When wondering what tickets affect insurance the most, it’s worth comparing quotes from different providers—some may be more forgiving than others, even with a ticket on your record.
• Maintain a Clean Record. Time heals all wounds—traffic-related ones included! Most violations only impact your rates for a few years, so if you keep your driving record clean moving forward, your rates should eventually go back down.

With the right strategies and a little help from FlickIt, you can keep your insurance rates from spiraling out of control after a traffic ticket!

Fight Your Traffic Ticket with Flickit!

Got a traffic ticket and worried about how it’ll affect your insurance rates? Don’t stress—FlickIt’s expert team is here to handle it for you! We know how a speeding ticket affect insurance and are dedicated to giving you the best chance for dismissal so that you don’t have to worry about rising premiums.

Here’s why partnering with us is a smart move:

• Expert Handling. Our team of top lawyers specialise in contesting traffic tickets, including those pesky insurance for speeding tickets cases, to ensure the best outcome for you.
• Minimize Insurance Impact. We’re well-versed in what tickets affect insurance and use our expertise to keep your premiums from taking a hit.
• Stress-Free Process. Sit back and relax—let us take the wheel. We handle all the paperwork and legal stuff so you can focus on more important things.

Hand over your ticket to FlickIt today and let us work our magic to keep your rates in check and your stress levels down!

FAQs

Welcome to our FAQs section, where we tackle your most pressing questions about traffic tickets and insurance. If you’re curious about how traffic violations impact your premiums or how FlickIt can help, you’re in the right place! Let’s dive into some common queries:

?How does a speeding ticket affect insurance?

A speeding ticket affects insurance by causing your rates to increase significantly, often by 20% or more, depending on how fast you were going. Multiple speeding tickets can lead to even higher premiums. FlickIt can help contest your ticket to minimize this impact.

?What should I do if I get a ticket with no insurance?

Yikes, that’s a tough spot to be in! Getting a ticket for no insurance is no joke, but don’t panic. First, take a deep breath – we know it’s stressful, but you’ve got options. Make note of any court dates or deadlines on the ticket, then get insured ASAP. Like, yesterday. This shows you’re taking steps to correct the situation.
Consider consulting with a traffic law expert that can help navigate the legal side of things. (hint: that’s where we come in!) While we can’t make the insurance issue disappear, we can work on minimizing the impact on your driving record.
Want to chat about your options? Give us a shout. We’re here to help you navigate this bumpy road and get you back on track!

?How can I find out what tickets affect insurance the most?

Generally, violations like DUIs, reckless driving, and significant speeding tickets have the highest impact on your premiums. For a detailed analysis of what tickets affect insurance, FlickIt is here to provide guidance and support.

?Can a defensive driving course help reduce insurance rates?

Yes! Completing a state-approved defensive driving course can sometimes remove points from your record and prevent rate increases. It’s a great way to mitigate the impact of a ticket.

?What if I have multiple traffic violations?

Multiple traffic violations can lead to substantial rate hikes and potential policy cancellations. However, FlickIt can assist in contesting these tickets to help prevent drastic increases in your premiums.

?How can FlickIt help with a traffic ticket?

Our team of lawyers have an in-depth understanding of state traffic laws, regulations, and court procedures. We know what it takes to build a strong defense strategy and maximize your chances of a favorable outcome.

?Will a non-moving violation affect my insurance rates?

Generally, non-moving violations like parking tickets, expired tags, or equipment violations don’t directly impact your insurance rates since they don’t suggest risky driving behavior, so insurance companies usually don’t consider them when calculating your premiums.
However, if you ignore non-moving violations and they pile up, it could lead to more serious consequences like license suspension. That’s when your insurance company might take notice and potentially raise your rates.

?What are the benefits of contesting a traffic ticket?

Contesting a ticket can prevent it from appearing on your record, thus avoiding higher insurance premiums. FlickIt’s team is dedicated to giving you the best chance for dismissal or reduction.

?How often do insurance rates increase after a traffic ticket?

The increase in your insurance rates can vary based on the violation. Major offenses can cause significant hikes, while minor ones may lead to smaller increases. FlickIt can help you understand and manage these impacts effectively.

?Can I lower my insurance rates after a traffic violation?

Yes, you can potentially lower your rates over time by maintaining a clean driving record and working with FlickIt to contest any violations. We’re here to help you navigate the process and keep your premiums as low as possible.

Got more questions? Feel free to reach out to FlickIt—we’re here to help you tackle those traffic tickets and keep your insurance rates in check!