Cheap Teen Auto Insurance Birmingham Alabama AL
Filed under: Auto Insurance Quotes, Auto Insurance Tips, Female Car Insurance, Teen Car Insurance
Reader’s Question:
Do traffic violations, accidents, or bad driving record affect the rate of car insurance? I am just curious because I’ll be driving soon and I just wanna make sure that my dad’s car insurance rate will be at an affordable cost once he added me under his policy. Thanks in advance. I am from Birmingham, Alabama if that would help you.
Jenny
Birmingham, AL
Yes. It always makes your premium go higher and higher. It depends though on what kind of traffic violation you get into. So, let’s consider some scenario.
I have a niece in Birmingham, Alabama who was caught driving more than the speeding limit. After paying all the things she needed to pay and enrolling in a defensive school to remove the ticket, she was told to keep a clean driving record within the year. But unfortunately she did it again. She committed the same traffic violation within that same year, then her car insurance rate would went up to 50%-150%. In addition, if you are caught speed driving with 20 miles or more, it’s already considered as reckless driving, so that would mean paying even more than what you could imagine.
Now, lets consider being involved in a vehicular accident. Regardless of whose fault it is, it will result in paying for higher premium. Having several accidents in a year would definitely make your premium to go up and up. If you are engaged in an accident and you’re at fault, then that would mean paying for sky rocketed premium – it can double or even triple your rate.
Lastly, driving while intoxicated (DWI) is the worst nightmare an insured driver could ever have. This involves thousands of dollars for court fees, alcohol fees, lawyer fees etc. Also, this would result in an increase to your auto insurance rate to about 200% – 500%.
I just wanna emphasize though that those figures are case to case basis. It still depends on your car insurance company on how much increase they would give you on your car insurance rate. Always be careful while driving on the road, that’s the best advice I can tell to every driver. It pays to be careful and it will definitely save you not a lot of money but also your life.
Tags: car insurance discounts, car insurance rate, teen car insurance, young driver insurance