Does a Seatbelt Violation Raise My Car Insurance Rates?

Your car insurance company might raise your rates because seatbelts have a safety reputation. You are putting yourself at unnecessary risk if you don’t wear your seatbelt. You may be deemed a high-risk individual, which could lead to higher premiums.

You could also be penalized for not being buckled up. Your auto insurance company might review your driving record and deny you safe driver benefits if you receive an extra discount for safety features.

Insurance companies want to cover safe drivers who are safe and responsible. This includes those who use their seatbelts on a regular basis. A seatbelt provides security and helps reduce serious accidents.

Why do car insurance companies raise their rates?

Apart from the normal cost of doing business which is usually minimal, you could receive an increase to your auto insurance rates if your driver’s licence has been suspended for any motor vehicle violation. Some insurance companies will increase your rates as soon as you have two points. There are different types of violations and the amount of points they can accumulate. Among the most common offenses are:

  • Accelerating
  • Reckless driving
  • DUI or DWI

If you have multiple accidents, your rates could be raised. Your auto insurance provider will charge you thousands for each car accident. This can result in higher premiums to cover their loss.

Your car insurance company could raise your rates by 10 to 50% depending on the severity of your infraction. If your offense is serious, you could be charged with a criminal conviction.

Car insurance companies will be aware of your driving record, including any violations or offenses. You will be charged more for poor driving habits and other violations.

Are auto insurance companies able to lower their rates? What is the basis of this lower rate?

There are many ways that car insurance companies can lower their rates. A reduction in your car insurance premiums can be a reward for your driving record. This includes moving violations and zero car accidents. Points are added to your driver’s license. If you use safety devices like:

  • Alarms
  • Ignition kill switches
  • External security mechanisms such as steering wheel locks

Your car insurance company might reward you for taking the time to protect your vehicle.

Your premium payment is another way that your rates could be affected positively. You may be eligible for a discount from some insurance companies if your monthly payments are made in full. You might also be able to pay quarterly and still get a break.

Should I keep my car insurance company’s rates at the current rate or look for another one?

Consider the benefits that you already have and whether you would be willing to trade them for another. Most people have car insurance for many years. Unless you have bad experiences, they will stay with you.

You should not only look for a new agency to insure your car if rates have increased. Consider the increase in rates and determine if it is reasonable. Next, review your benefits. Are you using them? Or are they part of a bundle deal? Your current provider may be able to assist you if your needs have changed.

Sometimes it’s easier to stick with what you already have. Your auto insurance company may be able to adjust your policy to meet your changing needs. They want you to stay with them, even if you’ve been with them for some time.

Don’t panic if you receive notices that your premiums have increased. Before you make any decisions, it is important to have sufficient time to consider all options. If you don’t feel that the company is in your best interests, you shouldn’t sacrifice a long and stable relationship.