How Traffic Violations Affect Your Auto Insurance

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.

How to Avoid Gaps in Your Auto Insurance Coverage

Gaps in your auto insurance could cause problems in getting coverage in the future. Whether you forget to make a payment and your policy is canceled, or you decide to drive temporarily without insurance, you risk paying higher premiums for car insurance in the future. Your best bet is to avoid gaps in your auto coverage whenever possible. Here are a few ways to prevent gaps from occurring.

Establish Automatic Payment

If you’re paying on a monthly basis, it is possible to forget making a car insurance payment, especially if you are juggling quite a few end-of-the-month expenses. Setting up automatic car insurance payments to Chastain Agency Inc. in Gainesville, GA can eliminate this risk, so there are no gaps in your coverage.

Trim Rather than Cancel Coverage

It’s not uncommon for people to sell their vehicle with plans to buy a new one a few months down the line. Rather than cancel your insurance policy altogether, consider trimming it back. You pay bare minimum for coverage and can upgrade your policy with no hassles once you get your new car. Students can apply this same principle when studying abroad for a semester or military personnel when being deployed temporarily overseas. Trimming your policy eliminates gaps in your coverage without hurting your budget.

Put a New Policy in Place before Canceling Old One

If you plan to switch insurers or policies, you should make sure your new policy is in place before canceling your old one. Otherwise, you risk having a gap in your coverage. A gap of a few days may sound harmless enough but could be disastrous if you were to have an accident during that time.

To learn more about the benefits of continuous auto insurance coverage, talk to an agent from Chastain Agency Inc. in Gainesville, GA. We can get you covered whether you’re in the cabbage patch land of Cleveland, GA or near the big apple of Cornelia.

How Much Auto Coverage Do You Need?

If you own a vehicle in Cornelia or Gainesville, GA, before you take it out on the road, you want to make sure that you have the required minimum amount of auto insurance, but you also want to make sure that you have the right amount of coverage for your needs. Chastain Agency Inc. can help you accomplish both. 

What Are the Minimum Auto Insurance Requirements?

There are three main areas of insurance that you want to make sure you have covered. The first is bodily injury liability. In Georgia, you are required to have a minimum of $25,000 worth of coverage per person and $50,000 per accident. You also need to make sure that you have $25,000 worth of coverage for property damage liability. These minimums will guarantee that if you are at fault in an accident, the other driver will be compensated for their damages and losses. If you do not follow the minimum state requirements, you can find yourself facing fines and legal fees.

Is that Enough for You?

Auto insurance can be tricky, but you want to make sure you have the minimum amounts required in Georgia. For some people, it may not be enough. If you have a vehicle that is worth a bit more, you may want to consider more auto insurance coverage. Also, based on your financial situation, there may be a need for higher liability limits because of the rising cost of healthcare and auto repair. 

If you are not sure how much coverage you need or you want to make sure that you have at least the minimum requirements for coverage, Chastain Agency Inc. in Gainesville, GA can take a look at your policy and run you a new quote if needed. Also, try our online rating tool for quotes from home.

Auto Insurance tips for new car buyers

Buying a new car in Gainesville, GA can be very thrilling, and in the excitement, you may end up making awful decisions. When purchasing a car, you have to take a lot of things into consideration, one of the factors being insurance. You need to do research before committing to any insurance policy. Some people assume that their dealers will take care of the insurance matters, but that should not be the case.

You have to keep in mind that auto insurance coverage varies according to your age, marital status, and even the type of car you are buying. While there are some factors you can’t change, such as your age and marital status, there are some tips that you can use to get the best auto coverage.

Here is a glimpse of some of the vehicle insurance tips you should have as a new car buyer.

Understand the policy terms

Buying auto insurance requires you to get into a contract with your insurer. That means that you have to understand all the terms in it. Make sure you read all the conditions and, if need be, get someone who has insurance knowledge to guide you. Know what exactly you are insuring against, the duration of the policy you are taking and the coverage options available.

Having a clean record reduces your premium

Try and be a careful driver to avoid getting into accidents or on the wrong side of the law. If the insurance company discovers that you have a clean record, they may reduce your premiums and who wouldn’t want to have fewer expenses?

Review your insurance options annually

As life changes, so do your insurance needs. If you started an auto insurance policy at a young age, you need to reevaluate the policy once you start a family. You can add or reduce the coverage you have overtime to make them fit your needs.

However, the most important thing is to choose a good insurance company that will not only insure your car but also cares about your growth as a person. With Chastain Agency Inc. in Gainesville, GA as your auto insurance company, you need not worry about anything. We have very friendly and skilled employees who are always ready to guide you.

Feel free to contact the offices of Chastain Agency Inc. or visit our website for more information.