Getting a traffic ticket sucks, especially when a single violation could increase your car insurance premium anywhere from 6% to 93%. There are a few ways you can minimize the hit on your insurance.
Kiplinger offers a few suggestions, such as taking a defensive driving course right after to get the points from your ticket off your license.
Another strategy is to shop around:
If your insurance rate goes up as a result of a moving violation, it’s a good time to shop around for a new policy, [insurance analyst at InsuranceQuotes.com Laura Adams] says. That’s because carriers factor violations differently when setting rates. So you might find an insurer that’s willing to downplay your ticket.
It’s a good idea to shop for car insurance every year anyway, but particularly so if your current provider raised your rates.
Don’t Let a Traffic Ticket Raise Your Insurance Rates | Kiplinger
Photo by Chris Yarzab.