Learn how a driving ticket affects your auto insurance rates.

A minor traffic ticket seems harmless. You pay your ticket, and you go on your merry way. However, your seemingly harmless ticket may have more impact than you thought. Even the smallest infractions such as not wearing your seatbelt can significantly increase your insurance premiums. Check out how these traffic offenses affect your auto insurance rates.

Seatbelt Violation.

It may seem like a little offense, but not wearing your seatbelt can increase your insurance premium by as much as 6 percent depending on your insurance carrier. Buckle up to protect your auto insurance rate.


Driving even a mile over the speed limit can increase your auto insurance premium.  Driving anywhere between one and 15 miles per hour over the speed limit can potentially increase your premiums by as much as 10-21 percent. However, if you drive more than 16 miles per hour over the posted speed limit, your rate could possibly increase by almost 29 percent. Play it safe, and abide by the speed limit.

Reckless Driving.

Any form of driving that puts other people in danger can increase your insurance rates. From racing to drifting to a game of chicken, there are lots of ways to drive recklessly. When you drive recklessly, your insurance rates skyrocket. Your premium may increase by as much as 85 percent. Stick to the rule of the road, and avoid any risk from premium increases.

Driving Under the Influence.

Everyone knows that alcohol and driving don’t mix. It’s one of the most dangerous things you can do.  However, that doesn’t stop people from doing it. Insurance companies don’t take drinking and driving lightly. In some states, your insurance rates may increase by as much as 334 percent. Never get behind the wheel after drinking.

Protect your auto insurance rates and yourself and others — drive safely! Contact the professionals at Randy Jones Insurance Services in Pleasanton, California for assistance finding the right insurance policy for your needs.