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5. The Impact of Traffic Violations on Your Car Insurance: What You Need to Know
Introduction
Traffic violations can have a serious impact on your car insurance premiums. In this article, we’ll explain how different violations can affect your insurance rates and what you can do to minimize the damage.
How Traffic Violations Affect Your Insurance Rates
Insurance companies view traffic violations as a sign of increased risk. The more violations you have on your record, the higher your premiums are likely to be. Here are some common violations and their impact on insurance:
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Speeding: Often results in a moderate increase in your premiums.
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DUI: A DUI conviction can cause a significant increase in your rates.
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Accidents: If you’re involved in a traffic accident, your premiums will likely rise, especially if you’re found to be at fault.
How to Reduce the Impact
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Take a Defensive Driving Course: Many insurers offer discounts for completing a defensive driving course.
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Maintain a Clean Record: The longer you go without violations, the better your rates will be.
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Shop Around: If your premiums increase, it’s worth checking other insurers to see if you can get a better deal.
Conclusion
Traffic violations can lead to higher car insurance premiums, but by maintaining a clean driving record and shopping around for better rates, you can minimize the financial impact.
