If your auto insurance premiums recently went up, your driving habits may have been the cause. Each time you’re caught and written up for committing a traffic violation, your insurance provider is alerted too. Here are some of the most common road infractions that are linked to higher rates.

4 Driving Mishaps That Increase Auto Insurance Rates

1. Speeding

Auto insurance providers typically tack on surcharges for speeding violations, which can cause premiums to increase. Accumulating enough speeding tickets could affect your driving record, which would result in even higher premium payments as well. To avoid this entirely, obey all speed limits, especially in school zones.

2. DUI Infraction

A driving under the influence (DUI) charge has the most serious financial consequences of any traffic violation. Some carriers may even drop your coverage. In most states, a person with a DUI conviction is required to secure SR-22 documentation to prove they’re insured. This type of coverage is typically very expensive and has to be paid in full upfront. If you don’t commit any additional DUI or other driving infractions, you can drop the SR-22 after a certain period and go back to standard auto insurance and cheaper rates.

3. At-Fault Accidents

If you caused a road accident, your premiums will likely go up. While some providers have accident forgiveness policies, they may only apply to your first accident. If you didn’t have the minimum liability insurance required at the time of the road mishap, you could face bigger financial problems from the other driver involved, such as a lawsuit.

4. Tailgating

Tailgating is another popular traffic infraction. The practice is dangerous and almost always leads to an accident. Tailgating, especially combined with speeding, can carry steep financial penalties. You can also expect to see an increase in your auto insurance payments as a result as well. Prevent this by always maintaining a few car lengths between your vehicle and the ones ahead.

We at Farmers Insurance Group in Mountain Grove, MO, can help you secure comprehensive coverage designed to fit your driving needs. Backed by a company with 91 years of stellar service, you can count on us to deliver competitive rates and personalized attention. We serve all of the Ozarks and welcome the opportunity to earn your business too. Give us a call at (417) 926-7900 to learn more about our auto insurance options, or request a free quote online.