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Auto Insurance — How To Pay Less Even With Moving Violations
By Chimpuriche Chihunrumnanya | August 14, 2008
Although it’s true that moving violations will raise your rates, it’s also true that you can enjoy cheap auto insurance rates if you know and do a few things…
1. Know that you’re NOT alone. Even though this should NOT be an excuse for recklessness, we all are capable of moving violations. Yes, even the best of drivers make mistakes or allow their emotions to dictate to them sometimes.
The mere fact that you understand that being guilty of moving violations doesn’t make you a villain gives you the opportunity to review your actions and options intelligently. Furthermore, you’ll be in a better position to avoid a repeat.
2. Sometimes the error is on the part of the traffic officer. In such cases you’ll do well to challenge it in a traffic court. And don’t forget to inform your agent if the court rules in your favor. Your rates should be lowered accordingly. They aren’t lowered satisfactorily, shop for another insurer.
3. You should pay high rates that result from your moving violations for as long as they remain on your driving records. However, once they are removed from your records, you should get a slash in rate (This should be at the end of three years — Some states keep theirs for up to five years). But painfully, some folks keep paying these high rates long after they’ve been removed from their records.
If you fall into this category, call your agent right away. You are overdue for a downward review of your rate. On the other hand, you can apply to another insurer who has better rates for you.
4. If you agree to take traffic school your moving violation can be dismissed. This is available in some states and only for some types of moving violations.
5. Look for an auto insurer that specializes in underwriting high risk drivers. Such an insurer will be able to treat your case on its merit rather than lumping you together with worse drivers. This should help you get some savings.
If you are at all serious about getting the cheapest auto insurance quote for your profile then you’ll need to do extensive comparison shopping. Get and compare quotes from five or more reputable quotes sites.
Topics: Insurance |
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