How Traffic Violations Impact Your Auto Insurance Premiums

Understanding how traffic violations affect your auto insurance premiums is essential for every Texas driver. At Multiservices By Veronica Moreno, we know that even a single ticket can have a lasting impact on your insurance costs. Whether you’re navigating the busy streets of Houston or driving across the state, it’s important to know how your driving record influences what you pay for coverage, and how our team can help you find affordable options, even after a violation.

How Traffic Violations Affect Your Insurance Rates

Insurance companies use your driving record as a key factor when determining your auto insurance premiums. When you receive a traffic ticket, such as for reckless driving, it’s recorded on your driving history. Insurers view these violations as indicators of higher risk, which can lead to increased rates at your next policy renewal.

Common violations that may impact your premiums include:

• Speeding tickets
• Distracted driving (such as texting while driving)
• Running stop signs or red lights
• Driving without insurance
• DUI or DWI offenses

The more severe or frequent the violations, the greater the potential increase in your insurance costs. Some violations may remain on your record for several years, continuing to affect your premiums during that time.

Why Your Driving Record Matters

Texas law allows insurance companies to review your driving history when setting rates. This means that even minor infractions can add up, making it more expensive to maintain coverage. For drivers in Houston, TX, maintaining a clean record can be a key strategy for keeping insurance costs manageable.

How We Help Drivers After a Violation

At Multiservices By Veronica Moreno, we understand that mistakes happen. Our team specializes in helping drivers find competitive auto insurance rates, even if you have traffic violations on your record. We work with a variety of insurance carriers to compare options and identify discounts you may still qualify for, such as safe driver programs or defensive driving courses.

Contact us today to speak with our team.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.