First step is to drive carefully, but accidents happen. Fundy Mutual will be there when they do.

How much will your ticket drive up your premiums?

June 16th, 2015 by admin

First step is to drive carefully, but accidents happen. Fundy Mutual will be there when they do.

There are several factors that car insurance companies consider when evaluating drivers for policy pricing. They look at things like age, gender, marital status and type of car, but they also give your driving record a lot of weight. If you've had little to no citations, you should be in the clear for reasonably priced automobile insurance rates. If you have multiple citations, you'll be spending hundreds to thousands of dollars more per year. More than a few accidents where you were found to be at fault can even ruin your chances of becoming insured to begin with.

Depending on the type and description of the offense, receiving only one ticket can launch a typical person's premiums through the roof. has estimated how much prevalent tickets will increase premiums:

  • Reckless driving: 22 percent
  • DUI (first offense): 19 percent
  • Speeding in a school zone: 19 percent
  • Driving without a license or permit under respective regulations: 18 percent
  • Careless driving: 16 percent
  • Speeding 30 mph over the limit: 15 percent
  • Failure to stop: 15 percent
  • Improper turn: 14 percent
  • Improper passing: 14 percent
  • Tailgating: 13 percent
  • Speeding 15 to 29 mph over limit: 12 percent
  • Littering from vehicle: 11 percent
  • Speeding 1 to 14 mph over limit: 11 percent
  • Failure to yield: 9 percent
  • Operating without car insurance: 6 percent
  • Seat belt infractions: 3 percent

If you are confronted with a significant rate increase after an accident or traffic offense, you should shop around and check out your other options, and perhaps find a lower premium. There are a few carriers who are more tolerant of drivers who don't have pristine records. Contact Fundy Mutual today for an insurance quote online.