|
AGIC Insurance, Inc. 1-877-854-0123 |
 |
An individual’s driving record affects their auto insurance rates. Every insurance company has its own guidelines on how police tickets and driving violations impact the premium. AGIC Insurance, Inc. is known for working with drivers to find the best Florida car insurance even with violations on their record.
Online PR News – 21-September-2011 –The latest weekend accidents show the importance of driving safely. In Sarasota, a father and son were seriously injured in a rollover crash. In Tampa, a habitual traffic offender received 10 tickets within 12 years, including one for going 89 miles per hour and killing two pedestrians. Driving safely not only prevents catastrophic accidents, but keeps an individual’s driving record clean. Otherwise, a driver can rack up points and face the harsh reality of increased insurance payments. Every insurance company has its own guidelines on how police tickets and driving violations increase the premium.
“Even with a violation, it is still important to carry Florida auto insurance,” said Vincent Payne from AGIC Insurance, Inc. “If a serious accident were to happen, the driver could be liable and risk his assets if there is not enough insurance to cover the damages he did.”
Parking tickets and other minor infractions are not part of the point system. In Florida, the Department of Highway Safety and Motor Vehicles assesses points depending on the severity of the speeding or moving violation. Each insurance company reviews these points on a driver’s record to determine the policy premium.
Here are the points taken for various offenses.
Three points:
Speeding less than 15 mph over the limit
Improper lane change
Open alcoholic container
Not using a child restraint
Littering
Driving during restricted times
Parking on a highway improperly
Four points:
Speeding more than 15 mph over the limit
Not stopping at a traffic signal
Passing a school bus when stopped
Reckless driving
Moving violation that caused an accident
Six points:
Accident caused by speeding
Leaving an accident scene with damage more than $50
Additionally, drivers can receive multiple points against their record in a single incident. When 12 points are given in any year period, a driver’s license is suspended for a month. 18 points in 18 months causes a three month suspension. And 24 points in 36 months suspends a driver’s license for a year. Overall, these points remain on a driver’s record for 10 years.
“Individuals should know to be honest and give their complete history when getting a Florida auto insurance quote,” said Payne. “Insurance companies will see a copy of the individual’s driving record and will also pull an updated record at the time of renewal.”
AGIC Insurance, Inc. is known for working with drivers to find the best Florida car insurance at a great value. They will take the time to explain the policy and what is needed to ensure a driver’s safety on the road. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.
| Bookmarks |  |  |  |  |  |  |  |  |  |  |  |  |  |
