As most of us know, car insurance can be a very expensive part of a family budget––especially if you are convicted of or plead guilty to a traffic ticket.
Moving violations can cause your auto insurance premium to skyrocket, but to exactly what degree usually varies depending on what state you live in.
InsuranceQuotes.com found that some of the most drastic rate increases are in North Carolina, where a DUI conviction might result in an average insurance rate increase of a whopping 337%––compared to an average rate increase of only 15% in Maryland.
Reckless driving in Hawaii could raise your rates by 287%, but in Alaska the same offense will only raise your premium by 24%.
Likewise, getting a ticket for going more than 31 miles per hour above the speed limit in Illinois can increase your auto insurance by 103%, yet in Missouri you might only see a rate increase of 9% for the exact same violation.
As a general rule, car insurance companies are typically more forgiving of minor traffic violations than major ones.
For example, although your rates will go up for driving in the carpool lane, they will shoot up astronomically for DUI.
According to Mike Barry, a spokesman for the nonprofit Insurance Information Institute, it is crucial to know that insurers penalize traffic violations and mistakes differently, so you might be able to find a new policy that is cheaper than the one you now have––even with a moving violation on your driving record.
Nevertheless, the best defense against an auto insurance increase is hiring an experienced traffic ticket attorney to help you fight the ticket and get it dismissed entirely or lowered to an offense that will not cause your auto insurance to increase.
His team of NJ traffic ticket attorneys have years of experience fighting traffic tickets, negotiating with prosecutors, and reducing traffic violations.