There are a wide range of factors which can cause your car insurance rate to go up. The most common factor that can cause a change in your car insurance rate is moving violations, this is when traffic law is violated by a vehicle in motion. Moving violations can rage from a serious car accident to not wearing a seat-belt. It is important to familiarize yourself with traffic law, not only to avoid a moving violation, but also to ensure you are driving safely.
· Vehicle Collisions
· Running a Red Light
· Not Stopping For Pedestrians
· Driving The Wrong Way
· Improper Lane or Passing Changes
· Not Using a Seat Belt
· Not Signaling During a Turn
Not all violations will increase your car insurance rate. Most minor and non-moving violations will not cause your rate to increase. However, this is subject to individual state laws and can vary based on your insurance provider
· Parking Tickets
· Parking in a Non-Parking area
o Such as in front of a fire hydrant or parking meter
· Excessive Muffler Noise
Location can also affect rates. If you live in a highly populated area as a result more car congestion is expected. As a result, accidents and car insurance claims are more prevalent. This means that car insurance rates might be higher in more densely populated areas. This also means that a rural populated area, where congestion is not an issue might have lower rates than in a densely populated city.
Claim type and claim amounts can also impact the price of car insurance. Generally, when a claim is made against your insurance policy above a specific amount that is primarily your fault, an insurer will increase your premium by a certain percentage. However, your rates are not likely to increase in a related case, where you are not at fault.
Learn more about Auto Insurance here.