| Auto Insurance
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Does your car insurance go up when you get a ticket? What about once you turn 65? And what if you get a new car, too!?

Find out whether your car insurance goes up when these and other things happen and how you could help lower it if it does! 

Does Your Car Insurance Go Up When You Get a Ticket?

Good news: Being issued a ticket by a law enforcement officer doesn’t necessarily result in a premium increase. A premium increase will depend on how your insurance company views various traffic violations. Your insurer will weigh a variety of factors. For instance, how serious is the situation? If you were flagged for a minor infraction like failing to yield the right of way or driving with a broken headlight, you might avoid a rate increase. But if you were going 85 mph in a school zone — you may see your insurance costs go up!

Bad news: If you’re slapped with a ticket for a serious violation like drunk driving, your premium might go up upon policy renewal, since your insurer may consider you to be a riskier driver. The same is generally true if you get three traffic tickets within a three- to five-year period.

The best defense against a ticket-related increase in your car insurance is to obey all traffic laws when you hit the road. Some insurers reward safe drivers with discounts and savings!

Does Your Car Insurance Go Up When You Turn 65?

Where you live and which insurance company you have will help determine whether you’ll pay more or less for auto insurance when you turn 65. In many cases, your premium can end up being lower when you  turn 65, as long as you’ve maintained a clean driving record. If you’re 65, you’re likely to pay less for coverage than a high-risk teenage driver.

If you’re a 65-and-over driver and you want to lower your insurance bill, look into taking a state approved defensive driving/driver safety course. Some insurers will reduce your premium if you successfully complete one of these programs and live in a state where driver training discounts are offered.

Does Your Car Insurance Go Up When You Get a New Car?

There’s no single answer to this question. Your car insurance premium depends on various factors, including how much the car costs, how much it would cost to fix it, how safe it is, and how likely it is to be stolen.

Bottom line: You might end up paying less for car insurance if your car is inexpensive and safe, rather than pricey and unsafe. However, it could cost more to insure an older car than a newer car due to new developments in road safety and anti-theft technology!

Before buying a new or new-to-you car, get a car insurance quote and check if your premiums will increase or decrease. Doing so will help you see how the ongoing expenses for your new car will affect your monthly budget.

Does Your Car Insurance Go Up When You Make a Claim?

The short answer: It might.

The Insurance Information Institute states that if you file a claim after an accident or other mishap, your insurer will likely increase your premium, particularly if you’re at-fault for the incident or if the claim is especially expensive. How much? The amount varies based on which insurance company you use, the type of coverage you have, and your driving record. Generally, a claim-related premium increase stays on your policy for three to five years.

To steer away from a claim-related rise in your insurance premium, consider whether you can pay to fix relatively minor damage to your car out of your pocket.

Does Your Car Insurance Go Up When You Have an Accident?

If the accident wasn’t your fault, you don’t necessarily need to worry about an increase in your insurance premium. However, if you are found to be at fault, your insurer might consider you a riskier driver, in which case your premium may go up when you renew your policy.

Remember that you should always report an accident to your insurer, even if you don’t wind up filing a claim. Why? Two reasons. One, if you don’t report it but to decide to later, your insurance company could deny coverage. Two, if you don’t report the accident and are sued by the other parties involved, you could have to pay for your legal defense and any damages out of your own pocket. Neither situation is one you want to be in.

The best way to prevent an accident-related increase in your premium is to be a good driver. In fact, an accident-free driving record might lead to a nice insurance discount.

Does Your Car Insurance Go Up When You Move?

Since insurers partly base your rate on your home ZIP code, a move to a new place could result in an increase or a decrease in your premium. This is because different ZIP codes are riskier than others, based on different rates of car accidents and car thefts.

Before you relocate to a new place, take into account how much the move might affect your car insurance premium.

Does Your Car Insurance Go Up When You Get Married?

Aside from enabling you to commit to your loved one, getting married might cause your car insurance to go down, not up. How does that work? Statistically speaking, married motorists are less likely to get involved in car accidents than their single counterparts. Therefore, married drivers are sometimes seen as less of a risk and might enjoy lower premiums. If your spouse has a less than perfect driving record, talk to your agent about what options you have to find the best rate.

If your life has changed or is about to change, give us a call. You can get Direct and get going. We’ll help you understand what affects your car insurance rates specifically and what you can do to keep them as low as possible. Call or come into your local Direct Auto today.