How Do Non-Moving Violations (e.g. Failing to Use Child Restraints) Affect Auto Insurance Rates?

First, you should understand that most states and insurance companies consider tickets given because of a failure to use child safety restraints a moving violation, so don't be confused on that point. Moving violations require the vehicle to be in motion; this could take the form of speeding, failure to yield, reckless driving, running a red light, and seat belt violations. Not having a small child properly restrained is yet another instance. Non-moving violations include things like parking tickets, not having an insurance card, or not renewing your license plates.

What the law says about moving violations and auto insurance

To summarize the issue, when your child isn't properly secured in a car seat or other safety restrained you will be charged with a moving violation because the devices are necessary when the car is in motion. At the same time, you might avoid a ticket if the violation is discovered while you are parked or not moving. Law enforcement officers are concerned only about those who don't use restraints while in a moving vehicle.

Can you save on auto insurance coverage? Request a quote to find out!

Category determines auto insurance rates

Since speeding tickets, tickets for reckless driving, DUIs, as well as child restraint and seat belt tickets are commonly lumped together under the heading of moving violations, they consequently may affect the rates on your insurance coverage. It comes down to the inherent risk associated with possible injuries sustained during an accident. This is certainly true of any failures to restrain a child properly in your vehicle. Insurers must determine rates that marginalize their risks when providing coverage.

The individual insurance company's rating system and guidelines will be a determining factor in what you will likely pay for your auto insurance policy. You can request a quote for auto insurance here, to learn how various violations will affect your auto insurance rates.