Tickets that Don’t Raise Your Insurance Rates

Apparently, the only traffic violation ticket you can pay and forget is the parking ticket.

Every other ticket served for the violation of a traffic regulation is bound to end up in a double whammy. First, there’s the immediate stress and tension upon receiving ticket. Next, you would have to deal with the implications—probably the most serious consequence the effect of raising insurance costs.

Different states have different ways of handling traffic violations and there is none of an all-covering list of tickets that is not bound to skew your insurance rates. Insurance companies likewise do not treat such tickets in the same way.

It is just impractical and needlessly inconvenient having to deal with a traffic violation ticket.

In the succeeding paragraphs, guides and insights are presented on when to be worried and when not to sleep over a ticket. However, be warned that these do not apply to all cases and that there will always be exceptions so it is advisable to verify pertinent details with an insurance provider. Generally, moving traffic violations and more serious than non-moving violations but over time, accumulated non-moving violations can still be cumbersome and can become an issue that an insurance provider will notice.

The following traffic violation tickets are most likely going to have an undesirable effect in your insurance rates:

  • Speeding (in case it is not the first traffic violation ticket you get in three years)
  • Involvement in a traffic or road accident
  • Racing
  • Driving sans an insurance policy
  • Driving without a license or with a license that has been suspended
  • Driving under the influence of drugs or alcohol
  • Driving to flee from police officers
  • Failure to observe traffic or road signs

On the other hand, tickets for the following are not as serious:

  • First speeding ticket
  • Littering on the roads or highways
  • Inability to secure a load on a vehicle
  • Driving with a restricted license
  • Driving with an expired or non-renewed driver’s license
  • Failure to use a seatbelt
  • Driving in an HOV lane
  • Driving with malfunctioning lights (headlights, taillights, etc.)

Your first time to get a ticket is not that serious

Most auto insurance companies vary in their methods of determining insurance rates but in all likeliness, insurers will readily forgive a speeding ticket or minor traffic violation if it can be deemed regular or ordinary.

According to one insurance company officer, a driver with a clean driving record is not inclined to be affected by a ticket for a moving violation. Few instances of minor traffic violations can be considered ordinary or expected.

Insurance companies usually examine for new points on a driving record every six months. This usually coincides with the time most policies are expected to be renewed. Drivers have to be reminded that violations stay with their driving records for the next three years (depending on the state) so they would need to adjust accordingly.

What are the implications of a cell phone ticket?

As what can be observed in most states, a ticket for reading or sending text messages and talking on a mobile phone while driving are currently less likely to affect insurance rates. Traffic accidents or undesirable incidents involving mobile phone use are relatively new so the insurance industry is still gaining experience and learning. However, things may change soon as insurance companies encounter more of such violations. Likewise, as more state governments enact legislation that outlaw or band mobile phone use while driving, the possibility of mobile phone use traffic violation tickets affecting insurance costs is no longer that remote.

For example, in the state of California, tickets are given for mobile phone use while driving but such tickets do not carry any points according to a spokesman for the Insurance Information Network of California. A significant majority of states use a points system for tracking driving records. Insurance companies employ some version of a points system for the determination rates but these systems do not necessarily adhere with the DMV framework.