Is there a relationship between 2021 car insurance and traffic violations?
3 Answers
2021 car insurance premiums are related to traffic violations. Here is the relevant introduction: Violation situation: If the motor vehicle has no traffic accidents or violations in the past year, the car insurance premium will be discounted. If there are traffic accidents or violations, the compulsory traffic insurance will usually adjust the premium according to the claims situation of the insured vehicle. For example, one claim without involving death will not enjoy a discount, one claim involving death will increase the premium by 30%, and two or more claims will increase the premium by 10%. Notes: In addition, the commercial insurance premiums in some cities may also be affected by the number of traffic accidents and violations of the motor vehicle. The specific premium should be based on the quotation of the insurance company.
As a seasoned driver with over a decade of experience, I can confidently say that traffic violations and car insurance are definitely related. For example, in 2021, a buddy of mine got penalized for running a red light, and his insurance premium went up by 15% the following year, costing him nearly an extra thousand bucks. Insurance companies adjust premiums based on traffic violation records from the police—the more you violate, the higher the risk, and the more they charge. I even looked up the policy back then; the 2021 car insurance reform made it stricter, so even minor infractions like running a red light can drive up costs. My advice to fellow drivers: drive by the rules, follow traffic laws—not just to save money, but safety comes first. Develop good habits: don’t rush lights or speed, and your premiums will stay more stable. Also, handle any violation records promptly; don’t wait until right before renewal to deal with them.
I just got my driver's license not long ago, and when I bought a car in 2021, I was worried about traffic violations affecting my insurance premiums. Sure enough, after failing to handle a parking ticket, my premium increased by 10%. The relationship is straightforward: traffic violation records are visible to the insurance system, which labels the driver as higher risk, prompting the insurer to charge more to cover costs. I looked it up online—serious violations like drunk driving or speeding over 50% can even double your premium. New drivers, remember: it's not just about the fine; premium fluctuations can burn a hole in your wallet. Familiarize yourself with road signs to avoid violations and check your insurance bills regularly for changes. In 2021, I learned my lesson—driving slower and more carefully helped reduce my premium slightly the following year.
