The 3 Worst Kinds of Tickets for Your Insurance Rates
While a clean driving record is the best thing for guaranteeing low car insurance, there are certain tickets that will impact your insurance rates more than others. It all boils down to how much of a risk it is to insure you, and certain tickets throw up a red flag as far as your insurer is concerned. Here are the worst kinds of tickets for your insurance rates.
- Driving under the influence: A drunk driving ticket has the most impact on your insurance rates. Besides having a serious impact on your driving record and perhaps even the status of your license, this ticket can result in your insurance rates being nearly doubled: the average increase is 93 percent. And if you get too many of these tickets, your insurance company may refuse to continue to cover you altogether.
- Reckless driving: Your state’s definition of what it takes to get a reckless driving ticket may vary from other states, but insurers all agree on one thing, and that is that a reckless driving ticket makes insuring someone almost as big a risk as a driving under the influence ticket. A reckless driving ticket, therefore, results in an average of an 82 percent increase in insurance rates.
- Careless driving: Getting a careless driving ticket usually means that there was less intent involved than in a reckless driving incident. Likewise, your insurer isn’t usually as concerned, and as a result the average increase in insurance rates is 27 percent for a careless driving ticket. Of course, paying that much more for your car insurance is nothing to sneeze at, either, and this is still one of the worst kinds of tickets for your insurance rates.
How much of a risk are you? Find out by contacting us for a quote on insurance rates.