Do Parking Tickets Affect Auto Insurance Premiums?

Parking tickets are a common nuisance for many drivers, but how do they impact your auto insurance premiums? You might be surprised to learn that 57% of drivers are unaware that parking tickets generally won’t affect their insurance rates. Let’s explore why parking tickets are usually not a concern for your auto insurance and what you should do if you get one.

Understanding Parking Tickets and Insurance

1. Do Parking Tickets Affect Your Insurance Rates?

In most cases, parking tickets do not impact your auto insurance premiums. Insurance companies typically focus on driving-related offenses, such as speeding tickets or DUI convictions, when calculating your rates. Parking violations, which are considered non-moving violations, usually do not influence your insurance costs.

2. Why Parking Tickets Aren’t a Concern

Parking tickets are considered minor infractions and are not typically reported to insurance companies. Unlike moving violations, which are linked to unsafe driving behavior, parking tickets do not indicate a riskier driving profile. Consequently, insurers generally do not use them to adjust premiums.

3. When to Be Concerned

While parking tickets themselves won’t usually affect your insurance, failing to pay them can lead to more severe consequences. Unpaid tickets can result in fines, vehicle registration holds, or even legal action, which could indirectly impact your insurance if they lead to license suspensions or other legal issues.

4. What to Do If You Get a Parking Ticket

If you receive a parking ticket:

• Review the Ticket: Ensure all details are correct and understand the reason for the violation.
• Pay or Contest: Follow the instructions for payment or contesting the ticket. Addressing it promptly can help avoid additional penalties.
• Keep Records: Maintain a record of all tickets and payments for your reference.

5. Review Your Insurance Coverage
While parking tickets may not affect your premiums, it’s always a good idea to review your auto insurance coverage regularly. Ensure you have the right protection for your needs, including liability, comprehensive, and collision coverage.

Need More Information?
If you have questions about how other factors might affect your insurance premiums or need assistance with your coverage, Klinger Insurance Group is here to help. Call us at 301-428-4935 for personalized advice and to review your insurance options.

Stay informed and keep your insurance coverage in check. Don’t let minor issues like parking tickets stress you out—focus on driving safely and let us handle the rest.