{"id":12551,"date":"2021-08-23T04:15:07","date_gmt":"2021-08-23T11:15:07","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=12551"},"modified":"2021-09-05T06:55:02","modified_gmt":"2021-09-05T13:55:02","slug":"how-much-will-a-ticket-raise-your-insurance-rates-it-depends-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id12551-how-much-will-a-ticket-raise-your-insurance-rates-it-depends-2.html","title":{"rendered":"How Much Will a Ticket Increase Your Auto Insurance Rates?"},"content":{"rendered":"

\"\"<\/a>Not too long ago I was speaking with someone who told me she got pulled over by a cop on her way to work.<\/p>\n

Of course, I offered up the obligatory sympathy. “Bummer,” I said. “What did he write you up for?”<\/p>\n

“Oh, I didn’t get a ticket,” she said matter-of-factly. “He clocked me doing 57 in a 45 zone, but he let me off with a warning.”<\/p>\n

I couldn’t believe it. “He let you off with just a warning?”<\/p>\n

“I know, huh?” she said, practically giddy at reliving the moment.<\/p>\n

Unbelievable.<\/p>\n

I’ve been pulled over for a moving violation four times in my life, twice for speeding and twice for making an illegal left turn. I’ve also been stopped for a fix-it ticket or two — but I’ve never had the good fortune to have been let off the hook. Not even once.<\/p>\n

The last time I was stopped I even presented the cop with an old Monopoly “Get Out of Jail Free” card that I used to carry in my wallet for laughs. He wasn’t impressed.<\/p>\n

Anyway, being a glutton for punishment, I decided to press the issue. “So, Jenna, how many times have you gotten away with a warning?”<\/p>\n

“Three.”<\/p>\n

I didn’t know what to say. Then again, I really didn’t have time to say anything because, before I could begin gnashing my teeth, Jenna corrected herself.<\/p>\n

“No, wait … four!”<\/p>\n

It turns out Jenna’s primary tactic for avoiding a ticket is crying. By her own admission, crying doesn’t always work. But the fact that she was able to weasel her way out of three — no, wait … four! — tickets surely saved her hundreds of dollars in fines. Not to mention increases in her auto insurance premiums — especially if she drives an expensive luxury car she can’t afford<\/a>.<\/p>\n

Needless to say, any increase to your car insurance premium resulting from a moving violation depends on the type of infraction you’re written-up for. With that in mind, I’m sure the obvious follow-up question for most people who like to bend the rules is: Which driving infractions will raise my insurance rates the highest?<\/p>\n

When it comes to insurance rate impacts, here are the most costly tickets according to Insurance.com, along with their associated average premium increase:<\/p>\n