Types of Car Violations that may or may not affect your Insurance rates to go up.
- Non Moving Violations, like Parking Tickets, parking in front of a fire hydrant, parking too close to the curb, parking in a no-parking zone, parking in front of an expired meter, and excessive muffler noise. typically do not increase car insurance rates
- Moving Violations such as Speeding, Running a Red Light, Not stopping for pedestrians, driving the wrong way, improper passing or lane changes, not using a seat belt, and not signalling when required, typically will increase car insurance rates.
- Moving Violation that cause car accidents are vehicle rear end collisions, side collisions, vehicle rollover, sideswipe collisions, head-on collisions, and can increase rates especially when an insured is completely at fault.
Location, Claim types and Claim Amounts can also affect rates.
Location can affect you in the following ways:
- If you live in a highly populated area as a result more car congestion is expected. In result accidents and insurance claims are more prevalent, so car insurance rates can be increased, in this highly populated areas.
- However in a rural populated area, where congested is not an issue and as a result rates are not as affected.
Claim Amounts and how it affects car Insurance Rates
- 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 aren't likely to increase after you file a related claim, where you are not at fault.
Learn more about Auto Insurance here.