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Of course you don’t want to pay more for auto insurance than you have to. Therefore avoiding tickets and accidents are your best bet to insure your premium stays as low as possible. Although your insurance rates won’t be affected in every case, it’s best to avoid them altogether.

Speeding tickets will generally cost you the most in the long run. Insurance companies do not look favorably on speeders since they are recklessly disobeying the law and putting themselves and others at risk. Speeders are also more likely to file a claim in the event they have an accident.

There are many other types of tickets that you can get besides speeding tickets, from not having your license on you or not having proof of insurance to not wearing your seat belt.

Therefore, you can be given multiple tickets in one stop by a police officer.

On average, people who receive two violations see an increase of about 33 percent to their insurance rates. Three violations will sky-rocket your rates to as much as 50 percent or more.

Senior citizens get hit with a double whammy. If you are over the age of 65 and have two violations, then you’re looking at a rate jump of around 56 percent. Drivers between the ages of 55-64 would see a 47 percent increase, which is still a lot for two tickets.

DUI charge (or driving under the influence) can hurt your rates the most, and you will likely be required to carry a SR-22 on your insurance for a period of time. This is something The Insurance Center of Decatur can certainly help you with in the event you are required by the courts to carry one.

In short, it pays off in the long run to drive safe and obey the rules of the road.

Posted 3:18 PM

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