Driving Record and Premium Factor

Simply put the more tickets you get and accidents you're involved in, the more of a risk insurance companies see in you.

Tickets are typically seen as a sign of poor judgment and/or unsafe driving habits. Insurers view tickets according to their severity. Non-moving violations will have little impact on premiums. So, things like parking tickets aren't as serious as reckless driving or DUI convictions, which will most certainly raise your premiums. Similarly, speeding tickets will be scrutinized according to how fast you were going. The more you exceed the speed limit, the greater the chance your premiums will rise.

How much your rates increase will depend on a variety of factors including your insurance company, policy, age, driving history, and so on. Typically younger, male drivers are judged more strictly because they're considered the greatest risk. Sometimes, a single speeding violation can double or even triple premiums.

The two factors that will most significantly affect insurance premiums are DUI/DWI convictions and accidents. Even a single accident, for which you are not at fault, can have a big impact on your rates and if you are convicted of drunken driving, your rates will skyrocket if your policy isn't dropped completely.

Following most serious moving violations and accidents, insurance companies will typically raise rates for three years. It's important to not acquire any more violations during that time so your rates can again decrease once the increase period ends.