Traffic laws and violations can significantly impact your auto insurance premiums. If you want to keep your premiums as low as possible, it's crucial to understand how traffic laws and violations can affect your coverage. This blog will explore seven ways traffic laws and violations can impact your auto insurance premiums. Whether you are a new driver or an experienced motorist, this blog will undoubtedly provide valuable insights on keeping your auto insurance premiums as low as possible. So read on to learn more!

1. Speeding tickets: 

Receiving a speeding ticket can result in a premium increase, indicating that you engage in risky driving behavior. The severity of the ticket and the speed at which you were driving can also affect the size of the increase. For example, a minor speeding ticket may result in a slight premium increase, while a more severe ticket for speeding at a high rate of speed could result in an enormous increase.

2. DUI offenses: 

A DUI (driving under the influence) offense can have severe consequences for your auto insurance premiums. Insurance companies view this type of offense as an extreme risk, and as a result, you can expect to see significant premium increases. The gravity of the offense and the laws of your state will determine the magnitude of the increase.

3. Other moving violations: 

Traffic offenses like running a red light or making an illegal turn can also increase premiums. These types of offenses show that you may be more likely to be involved in an accident, and as a result, your insurance company may view you as a higher risk. The gravity of the offense and the laws of your state will determine the magnitude of the increase.

4. Accidents: 

If you are involved in an accident, your insurance premiums may go up, regardless of whether or not you are at fault. The severity of the accident and the amount of damage caused can also impact the size of the increase. For example, a minor fender bender may result in a slight premium increase, while a major accident with significant damages could result in a more considerable increase.

5. Points on your license: 

Some states have a points system where traffic offenses result in points added to your driver's license. If you amass too many points, your insurance company may see you as a higher risk and increase your premiums. The number of points that trigger an increase and the size of the increase will depend on the laws in your state.

6. Insurance surcharges: 

Some states have insurance surcharge programs, where traffic offenses can add additional fees to your premiums. These surcharges can vary in amount and duration, depending on the offense. For example, a minor traffic violation may result in a small surcharge that lasts for a year, while a more severe offense could result in a more significant surcharge that stays for several years.

7. Loss of discounts: 

If you receive a traffic violation, you may lose any discounts you previously received on your insurance premiums. For example, if you had a safe driver discount, it may be taken away after a speeding ticket. This can increase your premiums.

In conclusion, traffic laws and violations can significantly impact your auto insurance premiums. By understanding how these factors affect your premiums, you can avoid traffic violations and keep your rates as low as possible. Some ways to do this include driving safely and defensively, avoiding distractions while driving, and staying up to date on traffic laws. It is good to have an adequate auto insurance policy to help you in case you receive a traffic violation or are involved in an accident. You can get in touch with a licensed professional who can help you by providing you with more information.