If you have been cited for a traffic violation, you may be wondering if it will affect your car insurance rates. The answer is yes, traffic violations can increase your car insurance premiums. The severity of the violation and your driving history will affect how much your rates increase.

How Much Will My Rates Increase?

The amount your rates will increase depends on a number of factors, including:

  • The severity of the violation
  • Your driving history
  • Your age
  • Your gender
  • The type of car you drive

In general, a minor violation, such as a speeding ticket, will not cause a significant increase in your rates. However, a major violation, such as a DUI, can cause your rates to increase by hundreds or even thousands of dollars.

How Can I Keep My Rates Low As A Georgia Driver?

There are a number of things you can do to keep your rates low, even if you have been cited for a traffic violation. These include:

  • Take a defensive driving course. Many insurance companies offer discounts for drivers who take a defensive driving course.
  • Maintain a clean driving record. The longer you go without getting a ticket, the lower your rates will be.
  • Shop around for insurance. Compare rates from different companies to find the best deal.
  • What If I Can’t Afford to Pay My Increased Rates?

If you can’t afford to pay your increased rates, you may be able to get help from your state’s insurance department. Many states have programs that help low-income drivers afford car insurance.

If you have been injured in a car accident, it is important to speak with an experienced personal injury attorney like our team at Rebecca Kay Sapp Law Firm as soon as possible. We can help you understand your legal rights and options and can represent you in a claim for damages.

Here are some additional tips for avoiding traffic violations:

  • Obey the speed limit. Speeding is one of the most common causes of traffic accidents.
  • Don’t drink and drive. Driving under the influence of alcohol or drugs is illegal and dangerous.
  • Use your turn signals. Let other drivers know what you’re doing so they can react accordingly.
  • Be aware of your surroundings. Pay attention to other drivers and pedestrians.
  • Don’t text and drive. Texting while driving is a major distraction.

By following these tips, you can help to reduce your risk of getting a traffic violation.