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How do points affect your car insurance?
I got a ticket that added three points to my license. How will this affect my insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Any time you receive points on your license, your
car insurance
rates can increase, so be ready for a higher premium.Tickets, accidents, and violations are all often added to your driving record by your state’s DMV. If any of these have points attached to them, they appear on your license and record.
When car insurance companies determine a rate for you, they look at several factors. Along with your location, type of vehicle you drive, age, and credit history, insurers also consider your driving record.
If you have multiple points on your license, you are considered a higher-risk driver. As a result, an insurance company will charge a higher rate for someone with points than someone with a
clean driving record
because insurance companies expect a riskier drive to file more claims. Reach out to your car insurance company to see how your points will impact your rate.You can also request quotes from other companies if you discover a significant increase in your rates. Download the
Jerry
app to compare quotes from over 45 insurers so you can make sure you get the best rate possible.”View full answer
- Gregory R.
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