Citations and Your Insurance Rate

When you receive a citation from a law enforcement official for a parking or moving violation, you may wonder how this incident could affect your insurance rate. As most drivers know, accidents cause your rates to go up since the car insurance companies typically have to pay for the damage that occurred. However, tickets are your responsibility, so does it affect your rate?

Every insurance company has different policies regarding their rates and factors that can affect those rates. It is important to work with a company that understands your individual driving behavior and can offer you affordable rates, even after acquiring a few blemishes on your driving record. To learn more about coverage options in your area, call an Indianapolis auto insurance agent of Insure on the Spot at 1-888-972-SAVE today.

How Citations Affect Your Insurance

After a citation, you may receive a surcharge from your insurance company. This is usually because the company considers you more at-risk for a collision. Usually, surcharges are distributed following a moving violation, not a parking violation. You still may need to pay surcharges if your spouse or child received a ticket while on your plan.

If you would like to keep your rates as low as possible, it is important to engage in safe driving practices at all times in order to avoid a ticket or accident. High-risk drivers tend to have higher rates than others and tickets or accidents can add to those rates, as well. Despite an imperfect driving record, you still may be able to find affordable rates in your area.

Contact Us

To learn more about citations, accidents, and other factors that affect your insurance rate, call an Indianapolis car insurance agent of Insure on the Spot at 1-888-972-SAVE today.