Traffic Tickets Are Recorded on a DMV Driving History

Although it may not be easy with so many traffic cameras everywhere these days, keeping a clean driving history is a very good way of making sure every vehicle insurer favors you and offers great rates when you apply for a policy. After avoiding cameras, you need to follow traffic rules and not cause any accidents. It is quite simple for any company to find out how you are doing on the roads. They can check speeding tickets and other traffic convictions through DMV records and find out how reckless you have been on the roads.

What troubles the insurers after finding out that you have a traffic ticket is how far you will go with this habit. This tells them that you may cause a serious problem soon and they will have to cover the damages. When it reaches that point, they will hardly lower your rates.

The consequences of having a ticket may differ for each driver. For instance, a driver who has been driving for ten years and has a clean record can escape with a slight premium increase for a minor incident. On the other hand, another one with a claim and other violations on record may find it hard to make a case for inexpensive automobile insurance rates.

There is a chance that your current carrier may either quote very high or simply tell you to find some other companies. And it may not be easy to replace the current coverage when that happens and getting reasonable rates may require a lot of searching and shopping around.

Being an irresponsible driver may also cause you to lose a driving license. Authorities will step in to prevent such people from violating traffic rules and causing other drivers to suffer continuously. Motorists have to go through certain restrictions and follow state rules about auto insurance to get their licenses back, which will add an extra burden on top of expensive premiums.

It may be fun to know and also important that the color and model of your automobile may either get you a speeding ticket or help you avoid one. Some colors seem to attract police attention much more and easier than others. Red, green or other shiny colored cars tend to catch their attention and they will stop and issue tickets to them. The model will also cause similar problems. A sports car can be spotted at a distance and targeted by patrol cars. The result often will be speeding or another fine.

People may get annoyed with these premium increases and extra attention from their vehicle insurers and not in a good way. But they will have to work through it and find other ways of lowering their premiums like having a great credit score or a garage to keep their vehicles.

The real problems will start if they get caught behind the steering wheel drunk or cause an accident. There is a very high chance that they will lose their licenses for some time or completely. Another effect is the cancellation of the policy immediately or at the next renewal. Most car insurance companies will not tolerate drunken policyholders and swiftly deal with them.  

Some people may have it easy for the first time and even escape without a fine or license point. However, repeat offenses will be dealt with harshly because your first offense was probably pardoned on the basis that you will be careful and not commit similar offenses again.

The best solution is to join a defensive driving course to increase your awareness as soon as you realize you have a problem and it needs to be fixed. This could actually help you get cheaper auto insurance rates as well and that is a bonus.

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Prev
SoHo vs. Tribeca: Where Should You Live in NYC? 

SoHo vs. Tribeca: Where Should You Live in NYC? 

These two unique NYC neighborhoods are also some of the most popular and

Next
Home Repairs You Can Do In Winter 

Home Repairs You Can Do In Winter 

Most people who make house repairs avoid the winter months

You May Also Like