The Effect of Traffic Violations on Car Insurance

If you are a licensed driver with car insurance, listen up: you need to do whatever you can to avoid traffic violations. This includes everything from running stop signs and red lights to speeding tickets. You may not worry about paying for these violations, but guess what? The money that you pay for the ticket is just the beginning. There is a very good chance that your car insurance premium will also increase after your insurer finds out about your mishap.
Why do car insurance companies care if you receive a ticket? Simply put, they are responsible for paying for any mistakes that you make on the road that could result in an accident or injury. In turn, when you are caught breaking the law, it shows that you are a higher risk. And like all types of insurance, the higher the risk you are the more money you are going to pay for coverage. Your car insurance company wants to protect themselves financially, and by increasing your premium they can do this easily enough.
If you receive too many traffic violations, your state may suspend your license. Once again, car insurance companies frown upon this, and will take extreme majors to protect themselves. In fact, if your license is suspended there is a good chance that your insurer will cancel your coverage. When you can finally drive again, you may find it difficult to locate a car insurance company who is willing to give you coverage at a decent price.
Traffic violations can lead to an increase in the amount that you pay for car insurance, as well as more serious implications such as the suspension of your license.