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Will My Insurance Go Up?

1. Traffic Violations

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Traffic violations are a common reason for auto insurance rates to go up. Some violations are worse than others. Violations are usually classified into two categories minor violations, and major violations.

Minor Traffic Violations

  • Failure to Yield
  • Following too Close
  • Improper Backing
  • Improper Passing
  • Traffic Device / Sign
  • Speeding

Major Traffic Violations

  • Attempted Felonies
  • Open Bottle
  • Careless Driving
  • Drag Racing
  • Driving Under Influence
  • Fleeing from Police
  • Vehicular Homicide
  • Passing School Bus
  • Driving Under Suspended License
  • Wrong Way

If you fight a ticket in court and win, it should not affect your driving record. Traffic school is another option. Some states offer taking a course and passing a test as a way of avoiding an insurance rate increase due to traffic violations.

Another way to avoid an increase in insurance premium is to purchase minor violation forgiveness. Minor violation forgiveness is a newer bells and whistles type coverage offered by a couple of different carriers. Remember though, if you do purchase a product like this, understand all the guidelines so you are not blindsided. Most forgiveness packages only work for minor violations and will only apply to one violation per driver. More

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