Auto Insurance Rate Corpus Christi TX
Reader’s Question:
How can accumulated moving violations on my driving record affect my car insurance premium rates? At what point is a driver considered a habitual traffic violator in Corpus Christi, Texas?
Michael
Corpus Christi, TX
If you continue to get tickets for moving violations and accumulate more points on your driving record, it can negatively affect your insurance rates in Corpus Christi, Texas. The State’s Department of Motor Vehicles (DMV) keeps records of a driver’s moving violations to keep an eye out for habitual offenders or negligent drivers. If you’re convicted of a certain amount of offenses and/or accumulate a certain amount of points, this may mean facing penalties such as a license suspension depending on your state laws.
You’re considered a habitual traffic violator in the state of Texas after committing four (4) or more moving violations within a period of 12 months, or seven (7) or more moving violations within a period of 24 months. When you’re found to be a habitual traffic violator, your driver’s license is subject for suspension. This also applies to a provisional driver (those under 18 years of age) who receives two (2) or less than four (4) moving violations within a period of 12 months.
So, if you let what small points for what seem to be a simple driving violation accumulate, you’d be surprised at how much your insurance rates have increased without you realizing it aside from the fact that you’re putting your driving privilege at risk.
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