Citations and Your Insurance Rate

Citations and Your Insurance Rate

When a law enforcement official gives you a citation for a parking or moving violation, you may wonder how this incident can affect your car insurance rate. Most drivers understand that accidents can affect your rate, since the insurance company typically has to pay for repairs. But because you are wholly responsible for paying citation fines, does it have the same effect?

Car insurance rates and rate increases after a citation can often be confusing and difficult to navigate. With so many coverage options, you may not know what the best plan for your individual situation should be. This is why it is so important to speak with a knowledgeable agent with an insurance company you can trust. That way, you can be confident in the fact that you are receiving an affordable rate, with just the right amount of coverage you need. Contact an insurance agent today to begin this conversation and learn more about your options.

The following information can be said about citations and your insurance rate:

After a citation, you might receive a surcharge from your insurance company. This is given because the company may consider you more at-risk for an accident.

Tickets or citations that cause a surcharge are typically “moving violations”, not parking tickets.

A surcharge will also be added if your spouse or child receives a ticket and is on your insurance plan.

In order to keep your rates as low as possible, it would be best to be a safe driver at all times and adhere to all speed limits, stop signs, red lights and any other safety indicators you encounter. However, when accidents or tickets do happen, know that all hope is not lost and you still may be able to receive an affordable rate. The best way to know what rate you are eligible for is by speaking with an insurance agent right away.