Reader’s Question:

I have a ticket in my driving record. I was just wondering if I can find an insurance company online that will not raise my car insurance with the ticket?

Carl

Baltimore MD

Thank you for asking Carl.

Usually car insurance providers will not quote you expensive car insurance rates, or increase your rates if you already have an insurance policy in file. Generally traffic violations as well as your driving record are being considered as a rating factor when determining your car insurance rate.

Your motor vehicle record (MVR) is used to by auto insurance company to know what type of risk you are as a motorist and so as the risk the motorist is putting the insurance company under to insure them and the automobile they drive. Convictions such as DUI and DWI on a motorist’s driving record shows that the motorist drives recklessly or poorly that is why they are usually given high car insurance rates than the others.

There are various insurance providers that will not increase your auto insurance rates if it is your first minor ticket but it is likely that if you have a safe driver discount it will be removed from your policy. So your car insurance rates will increase a bit. You can get a quote from various comparison website online, just like what you see above, that will help you get a quote from multiple insurance companies all at the same time. This will let you see how each violation can affect your insurance rate.