How to Get Car Insurance—Despite Your History
(US News and World Report) — If you have been involved in a traffic accident or received several traffic tickets for speeding or reckless behavior, you are probably aware that the cost of your auto insurance can increase dramatically when you have problems in your driving history. Unfortunately, car insurance is legally required by all states but New Hampshire, so you probably have to keep your car insured no matter what your driving record is. Not every traffic ticket causes your insurance rates to go up. Parking tickets, for example, usually have no impact on your insurance coverage at all. Things that put you in an auto insurance company’s high-risk category include recent or multiple car accidents, driving while intoxicated, or tickets for reckless driving. The insurance company will consider all of the aspects of your accident or traffic ticket when they adjust your premium rates. When you are issued a speeding ticket, the speed recorded on the ticket will make a difference with your insurance company.