What is the Relationship Between Auto Insurance Rates and Points?

You should be mindful every time you get in the car about your driving. Having any sort of record can greatly impact your insurance rates. Most of the time, your first offense won't usually result in points or a higher insurance premium. However there are instances where even the very first offense may result in some points on your driving record. This of course translates to a higher insurance rate, and sometimes it can be a rather significant jump. Here are a few instances where the first offense may result in points on your driving record:

• Driving Under the Influence: May be a minimum of 1 point
• Speeding: Depending on the state and the specific violation, it could be up to 3 points – even for the first offense
• At-Fault Accident: Can be around 2 points for the first accident

The more offenses, the more points, and the higher the insurance rates

It goes without saying that the more points you get on your record, the higher your insurance rate will be. If you have a second or third offense, then you should expect it to automatically result in more points – and this translates to a significantly higher insurance premium. Just how quickly your rate increases or the eventual level of your premium will depend on your home state, your insurance company, and your moving violations. Suffice to say, the more significant marks on your record, such as a Major Violation, will translate to significant points for each occurrence – and you can watch your insurance rate go up each time.

If you feel that you are not at fault then, by all means, go to court to fight the violation. Not only do points hurt your overall driving record, but they also mean an increased insurance rate – which may have far-reaching results in your ability to get discounted insurance in the future. Remember: For every violation you get, you can expect to receive more points and pay more in your premium each month.

No matter how many points you have, however, we can help provide advice and quotes for auto insurance. Request a free, no obligation right here today!