How Tickets Impact Your Car Insurance Rates

Car insurance rates can change at the drop of a hat it seems. However, those in the insurance business spend a good amount of time calculating rates and deciding who is a good risk and who is a bad risk. One of the ways that risk is calculated is through the number or types of driving violations (tickets) a driver receives. A person with a clean driving record is assumed to be a safer driver and thus has a lower risk of costing the company money. One who has a driving record with several infractions on it is considered a high risk driver or a person likely to cost the insurance company money. It is important for every driver to understand how a ticket will impact their insurance rate.

In most states driving tickets carry different weights depending on what the ticket is for. For example, a person driving excessively fast or a person tailgating may receive a reckless driving ticket. Reckless driving tickets have a high point value on a license and if they are written in conjunction with other tickets, (speeding for example) the point value is even higher. In general the more points on a license the higher the insurance rate will be. If the point value exceeds the legal limit the state will suspend or revoke driving privileges. Revoked or suspended driving privileges will cause insurance rates to skyrocket once a driver is legally allowed to operate a car once again.

Infractions that do not carry point values, such as parking tickets and non-moving violations will not impact insurance rates, although if compounded by other driving infractions insurance companies can and will take those infractions into account as well.

Normally a small speeding ticket with a value of one or two driving points will not affect insurance rates, but as infractions compound upon one another more points are added. When an insurance company checks a record to insure a new driver or renew an existing policy all infractions will be available on a driving record and the insurance company will evaluate or reevaluate the risk of insuring the party in question. The information about the ticket rates should be valid and accurate with cheapest car insurance. Not a few but plenty of benefits are available with the person for driving the car at the road. The assessment of risks should be suitable to meet with the requirements of the car owner. 

Points stay on a driving record for 3 to 5 years depending on the state and the infraction. Insurance companies will see all infractions and thus a speeding ticket can continue to impact insurance rates for between 3 and 5 years from the time they occurred.

Alternately after three years to five years of a clean driving record all infractions will be removed from the driving record (with some exceptions such as DUI charges) and insurance rates will drop as you will once again be seen as a safe and qualified driver in the eyes of the insurance company.

In any event it is best to drive safely and avoid situations in which you may be given an expensive ticket that you will be paying for years to come.