There are many factors that may cause your auto insurance rates to increase. These factors might include having a number of accidents, adding teen drivers or buying a newer car. The primary factors that will contribute to increased auto insurance rates are moving violations. Also, drivers who file an auto insurance claim will see their rates climb by an average of 38% nationwide, while those who file two claims within a 12-month period can expect to pay nearly twice as much as claim-free drivers, according to a new report by Quadrant Information Systems.
The Most Expensive Auto Violations Nationwide Include:
- Reckless driving
- Careless driving
- Failure to stop
- Failure to yield to pedestrians
- Driving in a carpool lane
- Be a defensive driver
- Ask about discounts offered by insurers
- Combine your home and auto with one insurer. If you purchase your auto, homeowners and umbrella coverage from one carrier, for example, the impact of violations on premiums may be less severe.