Learn how long a ticket will remain on your driving record.
Unfortunately, tickets are something that all drivers will face at some point in their lives. Whether it be a parking violation or a speeding ticket, it’s never fun to be on the receiving end of a driving infraction. To make matters worse, traffic tickets can remain on your driving record and affect your insurance. But how long will a violation remain on your record? Here’s what you need to know.
- Not All Tickets Go on Your Driving Record
First, it’s important to understand that not all infractions will go on your driving record and affect your rates. For instance, non-moving violations such as parking tickets are not serious enough to end up on your record. Generally, non-moving violations are completely taken care of as soon as you pay off the corresponding fine. Moving violations such as speeding tickets, distracted driving tickets, DUIs, and at-fault car accidents are the infractions that end up on your driving record and influence your car insurance premiums.
- How Long Will A Violation Remain on My Record?
In general, moving violations will remain on your record for about three years. Please keep in mind that this is an average estimate. The period of time will differ depending on your insurance company’s protocols, your state’s laws, and the severity of the violation.
- How Do Violations Affect My Insurance Costs?
When you have moving violations on your driving record, you should expect your insurance premiums to increase respective to the severity of the violation and the number of violations currently on your record. Fortunately, many insurers will begin lowering your rates the longer you maintain a clean driving record. Usually, after three years of good driving, your rates can return to what they were previously. Please keep in mind that, if you are applying for a new auto insurance policy, the insurer may look at violations that took place over three years ago. Insurance providers can use violations from many years ago to assign you higher premiums or even deny you coverage altogether.
This is how long traffic tickets will remain on your driving record and how these violations will affect your auto insurance rates. Do you have further questions regarding your car insurance? If so, then contact the experts at ISU-Wissink Insurance in Culver City, California. Our dedicated team is eager to assist you with all your car coverage needs today.