How Traffic Tickets, Accidents and DUI Affect Your Car Insurance Rates and What You Can Do About It

Have you ever gotten a speeding ticket, had an accident or gotten pulled over for Driving Under the Influence? I'll bet your auto insurance premiums went up. If it's happened to you there are some things to do to get your rates back down.

How Traffic Tickets, Accidents and DUI Affect Your Car Insurance Rates and What You Can Do About It

Most car insurance companies will not increase your premiums, if your first violation of it is a relatively small. But you better head for cover if you have a more serious offense. If it's really bad they can even cancel your insurance.

The Point System

Automobile insurance companies figure out how much they charge their clients by basing their charges on the point systems states use to classify their drivers.

If a driver reaches a certain number of points within 18 months, their license as well as their insurance can be suspended.

If you're near the limit you are a high risk driver and it will cost you a lot more money for your insurance.

If you are DUI you can lose your policy along with your license. Insurance companies may refuse to insure you. If they keep you on expect to pay a huge premium.

How to Get Rid of Points on Your Driving Record

You can get points taken off your record by taking either an online driver's education class or a class at your Department of Motor Vehicles.

The classes aren't difficult but they do test you. Pass the test and your fine will be go down and they'll take points off your record.

You have a limited amount of time to finish the class and pay your fine. Some states also let you take these courses only a certain number of times.

How to Avoid Points and Higher Insurance Premiums

Simple. Obey the traffic laws. You will be rewarded, too, because if you don't get traffic tickets your premiums will probably decrease.

That's right, your rates will often go down if you have a spotless driving record for three or more years. So keep your eyes open when you're behind the wheel of a car and always watch out for "the other guy".

How to Pay Less Insurance

Whether you have no points or a lot of points it makes sense to shop around and compare car insurance rates from different companies at least once every six months because the time you spend comparing premiums can save you a lot of money.

Why not take a little time to do some comparison shopping online now and see how much money you can save on your car insurance today?

You can click here to find the easiest way to find cheap car quotes online. Or just go to http://www.CheapOnlineCarInsurance.org to see how you can get more coverage on your auto insurance and pay less for it.