Can a Parking Ticket Affect Your Auto Insurance Costs?

How does getting a parking ticket influence your insurance costs?Can a Parking Ticket Affect Your Auto Insurance Costs?

Getting a parking ticket is bad enough as it is, but having it affect your auto insurance rates would make the situation even worse.  So, do parking tickets somehow affect your car insurance costs?  Here’s what you need to know.

Parking Tickets and Car Insurance

Drivers will be pleased to know that parking tickets do not have any impact on their auto insurance premiums.  While moving violations, such as speeding tickets and DUIs will raise your insurance rates, non-moving violations such as parking tickets are of little concern to your insurer.  Because moving violations and traffic accidents indicate that you are a bad or risky driver, these issues will result in higher insurance costs.  Parking tickets don’t have anything to do with your driving habits, in fact, they don’t even show up on your driving record.  So, whether you have one or twenty parking tickets to your name, they shouldn’t have any impact on your car insurance costs.

Tickets that Do Affect Your Insurance Cost

As mentioned above, receiving a moving violation will increase your auto insurance rates.  Common moving violations include the following:

  • Speeding tickets
  • Distracted driving tickets
  • Careless or reckless driving
  • Driving under the influence

These types of tickets will remain on your driving record for three to five years and will affect your insurance rates during this period, especially if you have two or more of these violations within the period.

This is what you need to know about parking tickets and your car insurance costs.  Do you have further questions regarding your auto insurance?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your car coverage needs today.