Let’s face it, getting a ticket stinks. Whether it’s for driving over the speed limit, following another vehicle too closely, or failing to come to a complete stop at a stop sign, traffic violations in Gainesville, GA can prove costly, but the effects they could have on your auto insurance rates can linger for years to come.
How much you can expect your auto insurance rates to increase depends on the type of traffic violation you receive. Minor traffic violations, including seat belt violations and fix-it tickets for faulty equipment, generally aren’t counted by insurers. Speeding, texting while driving, improper passing, and other major traffic violations can show up on your driving record, resulting in a significant increase in auto insurance premiums.
Getting a speeding ticket for the first time won’t automatically raise your auto insurance rates. However, multiple violations can make it significantly harder to get affordable coverage. Speaking to an agent at Chastain Agency Inc. can help you weigh your auto insurance options, especially if you have multiple traffic violations on record and need coverage with sensible rates.
Some traffic violations, including aggressive driving and traveling 15 mph or more over the speed limit, can also add points to your driver’s license. Accruing too many points within a short period not only puts you in danger of having your driver’s license suspended, but it can also impact your auto insurance rates.
Serious charges such as Driving Under the Influence can have a major impact on your auto coverage. Having a DUI conviction on your driving record can cause your existing auto insurance rates to skyrocket. Some insurers may even refuse to cover such high-risk drivers. Not only do you risk losing your current coverage, but any future coverage you get will cost significantly more.
Maintaining a clean driving record is the key to keeping your Gainesville, GA auto insurance rates low. To learn about other ways of lowering your auto coverage costs, contact the experts at Chastain Agency Inc. today.