How Do Parking Tickets Affect Your Auto Insurance?
Parking tickets! We all get them from time to time. But can they affect your auto insurance rates? Well, so long as you pay it promptly, it’s unlikely that a parking ticket would affect your insurance rates.
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Impact of a Parking Violation
A parking ticket is considered as a non-moving violation that doesn’t carry any demerit points or have any impact on your car insurance premiums. They are issued for reasons such as parking in a no parking or street cleaning zone, expired meter, double parking, etc. Even if you get them frequently, they will not be added to your driving record and you’ll eventually pay the same car insurance prices as any other driver. The majority of parking tickets issued in Las Vegas, Nevada are civil infractions that carry no jail time.
When Parking Tickets Can Affect Auto Insurance Rates
Ignoring parking tickets and refusing to pay that ticket or letting multiple tickets build-up could subject you to consequences that will see your car insurance rates go up. Unpaid parking tickets attract consequences such as;
- Large fine amounts
- Suspension of vehicle registration preventing renewal (failure to make payment after 90 days)
- Hold or suspension of your license
- Inability to renew a driver’s license
It’s clear that even if parking tickets won’t directly impact on your driving record, failure to pay the fines has serious consequences that will lead to high insurance rates when seeking out a new policy. An active registration is needed for you to get auto insurance so failure to renew your vehicle registration means that any time you drive, you’ll be driving illegally, and if caught, you could face substantial penalties.
Dealing With a Parking Ticket
It’s important to note that parking tickets are associated with a car and not the person driving it. Therefore, if you happen to lend your car to a friend or family member who parked it illegally, you’ll be responsible for paying the ticket. The easiest way to deal with a parking ticket that you received for a legitimate error is to pay them immediately.
The options to pay or contest the parking violation are always printed on the ticket. If you wish to contest, you should quickly file an appeal so that the issue can get sorted as soon as possible.
Type of Violations that Affect your Auto Insurance Rates
Auto insurance companies consider your driving record when setting rates, and that means that they only consider moving violations. Any action that has to do with you driving in an unsafe way will directly cause your insurance cost to go up. These include;
- Distracted driving
- Driving under the influence (DUI)
- Careless or reckless driving
- Any other moving violation
Find the Right Insurance Policy with Nevada Insurance Enrollment
Whether or not your parking ticket spiraled into higher insurance rates, the auto insurance agents at Nevada Insurance Enrollment can help you compare quotes from top car insurance companies for the best rates. Get in touch with us today and let’s get you started on finding the best auto insurance coverage for your specific needs.
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Read More: Auto Insurance in Las Vegas, Nevada
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DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation. You should consult your policy for exclusions or other language that may alter your policy.
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