Getting a traffic ticket can be a frustrating experience, and it's not just the immediate fine that you need to worry about. At Wilkes Agency, we understand that your driving record plays a significant role in determining your insurance premiums. Here's how traffic tickets can impact your insurance costs and what you can do to minimize the impact:

1. Insurance Premium Increases:

• Traffic tickets are a red flag for insurers, signaling that you may pose a higher risk on the road. As a result, insurance companies, including Wilkes Agency, may raise your premiums if you have recent traffic violations.

2. Type of Violation Matters:

• The severity and type of traffic violation can influence the extent of the impact on your insurance rates. Serious offenses such as reckless driving or DUIs typically result in more significant premium increases than minor violations like speeding or running a red light.

3. Accumulation of Points:

• Insurance companies often use a point system to assess risk. Each traffic violation may add points to your driving record. The more points you accumulate, the higher the likelihood of increased insurance premiums.

4. Duration of Impact:

• Traffic violations don't have a permanent impact on your insurance rates. Typically, the effect diminishes over time, especially if you maintain a clean driving record. Wilkes Agency may offer discounts or reduced rates for drivers who demonstrate responsible and safe driving habits over an extended period.

5. Review Your Policy:

• If you've received a ticket, take the time to review your current insurance policy. Understand how the violation may affect your rates and inquire about any available discounts or mitigation options.

Remember: Prevention is Key!

• The best way to avoid the impact of traffic tickets on your insurance costs is to practice safe and responsible driving. Obey traffic laws, be mindful of speed limits, and avoid distractions to keep your driving record clean.

At Wilkes Agency, we value safe driving and are here to help you navigate the impact of traffic violations on your insurance costs. If you have questions or concerns about how a ticket may affect your premiums, don't hesitate to reach out to our knowledgeable team for personalized guidance.