While it’s wise to shop around when you’re due for a new car insurance policy, the coverage you choose may not remain affordable for long. There are many factors that can cause premiums to jump. Thankfully, some of them are within your control. The list below includes three common factors that can increase your car insurance premium. 

What Causes Car Insurance Rates to Jump? 

1. Traffic Violations 

Motorists who have traffic violations on their driving record are considered higher risk than those who don't. As such, they're more expensive to insure. Generally, minor offenses like speeding and following vehicles too closely won't impact premiums nearly as much as major violations like driving under the influence of drugs or alcohol. To avoid a traffic violation, make sure to always follow local speed limits, don’t run red lights, and don’t drive under the influence. 

2. Third-Party Claims 

If you cause a car accident and the drivers affected by your actions end up filing a third-party claim with your insurer, your rates will inevitably increase. If your carrier offers accident forgiveness, adding it to your policy could prevent premiums from rising following a single third-party claim. However, you’ll have to pay slightly more for such coverage from day one. Your insurer will discuss this feature with you and let you know whether it’s a worthwhile investment, depending on your driving record. 

3. Changes in Circumstances 

Relocating could cause your rates to increase or decrease, depending on the area you move to. Changing jobs and, subsequently, commuting, can also impact car insurance premiums. If you live five miles from the old office, but the new job is 30 miles away, you’ll be spending a lot more time on the road and may be more vulnerable to accidents and tickets, which could eventually affect your premium.

For help finding affordable car insurance, turn to Dunlap Agency in Fairbanks, AK. Since 1986, they’ve been serving as a one-stop-shop for all their clients’ personal and commercial coverage needs. They assist with vehicle, property, and business insurance. Their knowledgeable agents can also help you find health insurance and pet injury coverage. To request a quote, call (907) 456-5202 or visit their website to browse their services.