Citations for moving violations can lead to an increase in automotive insurance rates. Underwriters view drivers with these violations as bigger risks for a collision than drivers who haven’t received any citations in recent years, if ever. Often, one ticket doesn’t cause problems, but some insurers will raise premiums because of one citation. If that happens, the driver may want to contact an independent Insurance Agency in Howell, MI, and see if cheaper options for the same coverage are available.
Some insurers have stricter underwriting parameters than others do. They also may view certain violations as riskier than others. A person who travels through a red traffic light without stopping, for instance, may be viewed as a bigger risk than someone who slowly rolls through a stop sign instead of coming to a complete stop. A person who has been cited for any moving violation and has seen the premium go up at the next renewal might schedule an appointment with an Independent Insurance Agency in Howell, MI to learn whether there are more favorable quotes for someone with an otherwise clean driving record. Usually, multiple violations are a much bigger concern for insurers than someone who has only received one ticket in five or 10 years. Of course, much of this depends on what exactly occurred during this violation.
An independent agency such as Cobb-Hall Insurance provides quotes from several insurers so potential customers can compare possibilities. Information on this particular firm can be found at the website Cobbhall.com. Not every insurance company views one misstep in an otherwise clean driving record as a significant problem, as long as that misstep is not the type of incident definitively connected with being a high-risk driver. A person who is convicted of driving under the influence of alcohol, for example, is viewed as a high-risk driver since this behavior is associated with causing accidents. One citation for traveling faster than the posted speed limit may not be too big of an issue unless the driver was doing something particularly hazardous, such as driving 50 miles per hour on a posted 25-mph residential street. That also indicates very questionable judgment to the underwriters.
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