Insurance companies are required to file their rates and rules with state regulatory bodies. In most cases, any driving infraction can have an impact on your insurance premiums, but typically minor violations do not impact your rates, especially if you only have one.
Some states have insurance rules stating that a carrier can't charge you for a single minor driving infraction if it is the only infraction within 18 months.
With some companies, a small infraction may remove discounts and with other companies it may impose a surcharge. As violations accumulate, the surcharge is higher. Typically if you plead guilty or not, it still reflected on your driving record. In some states, the driver license points are removed, but it is still a part of your driving record.
We insure many drivers at a discount with clean driving records.
Remember that driving records are often reviewed periodically.
When you are purchasing with CarInsurance.com or once you are issued a policy, your insurance carrier reviews your driving record
These are the typical times when an insurance company will be checking your motor vehicle record:
- When you initially apply for coverage
- When you request a change to your policy (increased coverage amounts, etc.)
- When you add a vehicle to your policy, or change the covered vehicle
- When you add a driver or updated a driver's status
- When your policy comes up for renewal (some carriers wait for every second renewal)
Get a quote and let us check your driving record for the impact on your rate.
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