Understanding your auto insurance policy is more than just about knowing what coverage you have; it is about understanding how your driving behavior can impact your rates. Life happens, and sometimes, no matter how cautious you are, things can go wrong on the road.
Whether it is a minor fender bender or a speeding ticket, it is important to know how these situations can affect your insurance premiums. At Beck Insurance Agency, we are here to help you navigate these challenges and provide the coverage you need without breaking the bank.
It is easy to become concerned when you see your rates go up, but understanding how certain violations impact your policy can help you make more informed decisions. Here is a breakdown of common driving violations and how they may affect your insurance:
- Speeding Tickets – Even a small speeding ticket can cause your premiums to rise. If you get ticketed for speeding, especially if you are going significantly over the limit or repeat the offense, your insurance company may see you as a higher risk.
- DUIs (Driving Under the Influence) – A DUI is one of the most serious offenses you can commit on the road, and it can have a long-term impact on your insurance. Not only will your premiums increase after a DUI, but you might even have trouble finding coverage with some insurers.
- At-Fault Accidents – If you cause an accident, expect your premiums to go up. The more serious the accident, the more likely your rates will increase. Insurance companies view those with at-fault accidents as being at a higher risk for future claims, and they adjust your premiums accordingly.
- Reckless/Aggressive Driving – Actions like tailgating, running red lights, or aggressive driving can quickly lead to higher insurance costs. These behaviors suggest to your insurer that you are more likely to be involved in an accident, which makes you a higher risk. Your premium will reflect that risk!
While these violations can affect your insurance, there are steps you can take to maintain a clean driving record. Staying aware, following traffic laws, and considering defensive driving courses can help reduce the likelihood of incidents that may impact your rates!
At Beck Insurance Agency, we serve auto insurance to Holland, OH, Otsego, Toledo, Defiance, OH, Bryan, OH, Napoleon, OH, and the surrounding areas. We know that driving is a part of everyday life, and our goal is to provide personalized auto insurance solutions that keep you protected while ensuring that your premiums reflect your circumstances. Contact us today to get a quote on auto insurance!
