subject: Getting Auto Insurance with Tickets on Your Record [print this page] Getting Auto Insurance with Tickets on Your Record
Drivers with multiple tickets on their driving records can run into numerous obstacles while looking for auto insurance. A person's driving record is one of the highest rated factors on insurance policies. When an insurance company sees multiple violations on a person's driving record, they perceive that as an increased risk of exposure. Violations such as speeding or red light tickets suggest that the driver is more likely to cause an accident and that the insurance company will have to pay out a claim.
Many auto insurance companies in California will not insure a driver who has more than one violation within the last three years. This will limit the number of companies that drivers with multiple tickets have to choose from. The lack of company selection will inevitably drive the rates up. This is why drivers with multiple violations end up paying higher auto insurance premiums.
Furthermore, having more than one violation within the last three years disqualifies the driver from receiving the California good driver discount. This drives their rates up even more, meaning that their rates will be at least 20% higher.
Another factor to be considered is the surcharge for each ticket. Insurance companies consider each ticket an indication of higher risk for exposure and will charge accordingly. These surcharges will also increase insurance rates for those with multiple driving violations.
The combination of a lack of company selection, losing the good driver discount and getting surcharged for each ticket can leave the consumer with rates double those of drivers with a good driving history. It is, therefore, important that these drivers get multiple auto insurance quotes. With a premium that is double that of other drivers, the potential for saving would be double as well. The best way to receive multiple quotes and ensure you are getting a competitive rate quote is to call an independent insurance agency with access to numerous insurance companies.
welcome to Insurances.net (https://www.insurances.net)
