Failing to wear a seatbelt may be the last minor infraction you can commit without a 20 percent increase in your auto insurance premium. (That said, you should always wear your seatbelt!)
Auto insurance is something you may think is too expensive. Well, if you find yourself in this boat, it pays to drive on the side of caution. If you commit a traffic violation, your auto insurance rate is likely to increase by as little, or as much, as 20 percent! This is because of the way auto insurance companies determine premiums for their customers. They use statistics to determine premiums by sticking your driving record and other factors into an equation. The result that comes out the other is used to give you your premium. Low-risk drivers are associated with safe driving, and a low premium is given. High-risk drivers are associated with infractions and reckless driving, and are given a high premium. Here are three instances in which committing a traffic violation will raise your auto insurance premium.
Careless Driving
Sometimes your attention is diverted elsewhere. You are only human, after all! If you missed a yield sign, or something else relatively "minor," your auto insurance will likely experience an increase. The average cost for careless driving is 27 percent.
Reckless Driving
If you were dealt a reckless driving charge instead of careless driving, that means you showed some intent: you were likely playing chicken, racing, and other things of this nature. The average increase in coverage for reckless driving is 84.5 percent!
DUI/DWI
Driving under the influence is among one of the worst things you can do as a driver: You are not only putting your life in danger, but the lives of others. It not only shows despicable judgement, but a complete disregard for the law and people's lives. The average increase in coverage for a DUI is 94 percent.
For all of your
car coverage needs to keep all of your vehicles protected,
contact C.V. Mason Insurance Agency in Bristol, Connecticut. We will work with you to ensure you have the right amount of auto insurance coverage, all at the right price to fit your budget.
