Traffic Violations and Car Insurance

Receiving a traffic citation often results in many costs beyond the traffic fine itself. In many cases, traffic citations can directly affect your driving record and thus affect the amount you pay for car insurance. Your driving record is a file that police, insurance companies, and other entities may access for a variety of reasons. Car insurance companies have access to driving records so that they may determine the risk associated with insuring a particular driver, and thus can determine the rate that the person must pay for their insurance premiums.

For a free car insurance quote, contact the Chicagoland car insurance agents of Insure on the Spot today at 773-202-5060.

The Points System and Your Driving Record

The number of points assigned to your driving record depends on:

• The number of driving violations you have received
• The severity of the violations
• The frequency of the violations
• Your history of car accidents

For example, a reckless driving citation comes with higher points than a parking ticket. Frequent violations over a short period of time more negatively affect your record than do infrequent violations. After each infraction, these points are added to your driving record. Traffic violations and speeding tickets generally remain on a person’s driving record for three to five years. Although a single traffic violation is unlikely to affect insurance rates, multiple tickets – or a traffic violation combined with a car accident – can negatively affect your driving record and cause you to pay higher rates for car insurance.

For this reason, it is important to keep a clean driving record by not only avoiding accidents, but by also taking care to follow traffic laws and avoid speeding tickets and other traffic citations.

Contact Us

For more information about car insurance rates in the Chicago area, contact the Chicago car insurance agents of Insure on the Spot at 773-202-5060.