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If I Got a Ticket for Running a Red Light will my Insurance Company Raise my Rates?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 03/21/2012

An increase in your insurance rates will depend on more factors than just a single ticket.

Saying an insurance company will or will not increase your rates for a single ticket is almost impossible to say for sure. There are too many other factors that also determine if a rate increase will happen.

Factor like:

• Your age

• Any past tickets

• The insurance company itself

• How many points your state assigns for this particular type of ticket

As you can see, just getting a ticket is not the only thing that will determine if or how much your insurance rates will increase.

If you already have insurance, you don’t have to report that you got a ticket. Your insurance company will pull a Motor Vehicle Report (MVR) either at your renewal or every other renewal. It will be then that you will see any rate increase on your insurance; if they are going to raise it.


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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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