Call Us 708.423.2350 ☰ ˟
Logo
Call Us Today 708.423.2350
  • Home
  • Get A Quote
    • Automobile
    • Boat
    • Business
    • Contractors
    • Flood
    • Health
    • Homeowners
    • Limousine
    • Motorcycle
    • Professional Liability
    • Recreational Vehicle
    • Renters
    • Trucking
  • Customer Service
    • Automobile
    • Business
    • General Liability
    • Motorcycle
    • Broker Services
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Important Files
    • Insurance Glossary
  • About Us
    • About Buschbach Insurance Agency, Inc.
    • Location
    • Career Opportunities
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
  • ProducerPointers
Home > Blog > Does A Reckless Driving Violation Impact Auto Insurance?
WEDNESDAY, MAY 11, 2016

Does A Reckless Driving Violation Impact Auto Insurance?

Man Getting Traffic TicketHaving auto insurance is essential. Not only is it a requirement under most state laws, but it also helps to protect you financially from risks associated with accidents and liability matters.

When it comes do determining car insurance premiums, insurance companies are likely to rate you based on your previous driving habits to determine how much risk you present. And if you are a high level of risk, it may mean a higher insurance premium. This means reckless drivers could be forking over more change when their insurance bill is due.

Your Driving Record Is The Biggest Risk Factor


Car insurance companies use a variety of data to determine how much risk a driver presents. This is what they base your insurance premium costs on. Of all the data they use, which includes your age, sex, address and even the type of car you have, your driving record plays the biggest role in what you pay. Those who have a clean record, without any evidence of driving violations, will have the lowest premiums in most cases.

What will reckless driving violations do your record? Generally speaking, you will likely pay significantly more, sometimes hundreds of dollars more, for coverage. According to some research, those who have a single ticket like this can expect to pay as much as 22 percent higher than what safer drivers pay. However, if you have more than one reckless driving violation on your driving record, the risks are even higher. You'll likely pay significantly more.

What You Should Do


While avoiding these types of risks is always the best route forward, these types of violations can happen for various reasons. If you do have such an incident, realize that it won't sting you forever. Most violations fall off your record over time, especially if you do not have any additional moving violations. Additionally, your agent may offer to discount your policy again if you remain accident or incident free and you take a driver's education course.

Auto insurance policies may cost more for those who have multiple violations because they present a higher risk for the insurer. However, you should still compare policies with the help of your independent insurance agent to find one that is best suited to your needs and your wallet.

Get a free quote today. Call Buschbach Insurance Agency at (708) 423-2350 for more information on Chicago IL auto insurance.
Posted 10:00 AM

Tags: auto insurance, car insurance, risk, premium, rate, cost, tickets, reckless, reckless driving, chicago, illinois, insurance, chicago il insurance, buschbach insurance agency
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013

  • insurance(169)
  • business insurance(145)
  • tips(99)
  • coverage(85)
  • safety(52)
  • oak lawn(50)
  • restaurant insurance(43)
  • savings(42)
  • illinois(41)
  • business(31)
  • commercial(27)
  • commercial auto insurance(22)
  • auto insurance(21)
  • chicago(20)
  • liability(19)
  • policy(18)
  • home insurance(18)
  • chicago il insurance(17)
  • bop(17)
  • protection(16)
  • workers compensation(14)
  • buschbach insurance agency(12)
  • general liability insurance(11)
  • owners(11)
  • cyber liability insurance(10)
  • business owners policy(10)
  • buschbach insurance(10)
  • trucking insurance(8)
  • risks(8)
  • restaurant(8)
  • general liability(7)
  • auto(7)
  • illinoise(7)
  • driving(7)
  • surety bonds(6)
  • construction insurance(6)
  • claims(6)
  • cyber(5)
  • workers(5)
  • vehicles(5)
  • employee(5)
  • compensation(5)
  • security(4)
  • car(4)
  • umbrella insurance(4)
  • events(4)
  • building(4)
  • liability insurance(4)
  • worth(4)
  • value(4)

View Mobile Version
buschbach logo

Physical address: 5615 W 95th St
Oak Lawn, IL 60453
Main Phone: 708.423. 2350
Email: sales@buschbach.com

 facebook Social Icon Social Icon Social Icon Social Icon
© Copyright. All rights reserved | Powered by Insurance Website Builder