Hi,
I read on numerous places that at least in California, "a single point on your license shouldn't affect your premiums". I even saw in one place that CA law prohibits auto insurance companies from hiking rates after just a single 1-point moving violation. (Consecutive points are a different story altogether, of course.)
I decided to look into it further: I ran some simple queries at the CA Dept. of Insurance website, and it was clear that a single traffic ticket would easily raise your rates by $400+ a year, no matter which company you have. Then I found an investigative article by SFGate, that a single violation will definitely boost your premium. It seems that even the 'experts' were confused by the results.
The forum doesn't allow me to post links, so for the sources you'll have to Google "CA department 2014 automobile insurance" and "A single moving violation will boost insurance premium - SFGate".
What's your first-hand experience with this?
(PS I'm aware of the traffic school system, "hiding" a point etc.)
I read on numerous places that at least in California, "a single point on your license shouldn't affect your premiums". I even saw in one place that CA law prohibits auto insurance companies from hiking rates after just a single 1-point moving violation. (Consecutive points are a different story altogether, of course.)
I decided to look into it further: I ran some simple queries at the CA Dept. of Insurance website, and it was clear that a single traffic ticket would easily raise your rates by $400+ a year, no matter which company you have. Then I found an investigative article by SFGate, that a single violation will definitely boost your premium. It seems that even the 'experts' were confused by the results.
The forum doesn't allow me to post links, so for the sources you'll have to Google "CA department 2014 automobile insurance" and "A single moving violation will boost insurance premium - SFGate".
What's your first-hand experience with this?
(PS I'm aware of the traffic school system, "hiding" a point etc.)