Are Car Insurance Premiums Affected by Parking Tickets?
Parked tickets affect your car insurance, yes. A ticket is an entry in a system that evaluates risk and the riskiness of a driver. If you have a lot of parking tickets and you are a very “risky” driver, your insurance company will raise your premiums because they see you as a greater risk than someone with no tickets. And, if you drive slowly and cautiously, you can avoid tickets too. The probability of getting tickets varies from driver to driver and it depends on many things – how old you are, how much you drive, and whether you drive to work or to the store.
It would be a good idea to stay on top of your driving record. Maybe you could pay a small fee and avoid future tickets? Most car insurance companies may raise your premiums if you have several unpaid parking tickets within a certain time frame. This is because people who get tickets for parking in wrong spots, or for leaving their cars in covered spots or parking on the street, have more likelihood to get into accidents than others. The probability of getting into an accident rises when you are a “careless” driver. So, if you want to avoid higher car insurance premiums because you got into trouble for parking at the wrong place or for leaving your car in covered areas, it may be worth it to pay for an added fee for safe driving.
Another way to avoid getting parking tickets is to drive carefully and cautiously, especially when parking on the road side. Drive as quickly as you can to arrive at your destination. Try to park in covered lots and in well-lit areas to prevent parking tickets. Remember to keep up with your traffic tickets by paying your fines on or before the due date.