According to AAA, “36.1 million Americans will journey 50 miles or more from home during the Memorial Day holiday weekend, a 1.5 percent increase from the 35.5 million people who traveled last year.”
Will you be one of those on the road?
If so, be especially careful this holiday season, and during the summer months as well.
After all, as Memorial Day fast approaches you can be sure to see more police cars patrolling the back roads and highways of the country with ticket book in hand…
7 Violations and your auto insurance premiums
What’s worse than getting a speeding ticket and having to pay the hefty fine?
Waiting to see how much your auto insurance premiums will increase because of one simple mistake or accident. After all, you’d be hard pressed to find someone who hasn’t gotten at least one speeding ticket or other moving violation.
It does happen.
So which moving violations are the most expensive when it comes to premium rate hikes?
A recent study commissioned by insuranceQuotes.com, Quadrant Information Systems calculated the financial impact in terms of percentage of rate hike for some of the more common moving violations. All 50 states were looked at, including Washington DC, and a nationwide average was calculated.
The results, shown below, just might surprise you.
Here is a list of the most expensive violations nationwide…
- DUI — 93% increase in insurance premium
- Reckless driving — 82% increase
- Speeding — 30% to 21% increase (depending on how fast you’re traveling over the speed limit)
- Careless driving — 27% increase
- Failure to stop — 19% increase
- Failure to yield to pedestrians — 19% increase
- Driving in a carpool lane—18% increase
As you can imagine some states ranked higher than others in terms of how specific infractions impacted insurance rate hikes. California, for example, levied the harshest penalties when it came to speeding and driving in the wrong direction, while New Jersey took the top spot for several categories.
So what does this mean for you?
Other than being more careful while you drive?
Clearly if you’ve already been issued a speeding ticket there doesn’t seem to be much you can do.
Speaking from personal experience from a few years ago, the New York State Trooper who issued my speeding ticket suggested I contest the ticket. Maybe he felt bad for me since it was late at night and my wife and 2 young kids were in the car. In any event, I did show up in court on the appointed day, paid a reduced fine, and did not get any points on my license.
And if you received your moving violation a few years ago it’s quite possible that the violation may be set to come off your record.
Additionally, you can look for other ways to save on your auto insurance.
In fact, according to Sony Phinitsovanna of Bruen Deldin DiDio Insurance, “an Independent Agent offers many advantages that are not available with shopping online or directly with a company.” In other words, switching to another insurance company might result in savings off your auto insurance premiums to offset the increase from an older moving violation.
Hey, you never know until you ask.
Looking to save on your auto insurance?
Save time and aggravation with a free, customized, quote comparison from qualified insurance providers. It only takes a couple of minutes so why not enjoy peace of mind by getting the coverage you need.
Get your FREE, no-obligation auto insurance quotes today.
Or you can search through our list of auto insurance providers and find a local insurance agent who can help you get the coverage you need.
Either way the choice is yours…