How Will a Fix-It Ticket Affect Your Insurance Rate?

A fix-it ticket is typically classified as a nonmoving violation, which usually does not affect your auto insurance premiums. Examples of nonmoving violations include parking infractions, failing to renew your registration, and driving with a burned-out headlight. These violations are considered less serious than moving violations, such as speeding or running a red light, and thus typically do not affect your driving record or your insurance rates. How a fix-it ticket, or a correctable violation, affects your car insurance rates may, however, vary depending on your insurance company and state law.

Keep in mind, though, that a fix-it ticket is not something you should ignore. If you fail to fix the problem for which you were cited within the time frame allotted, you will face fines and possible points against your driver’s license. In the worst-case scenario, you might have an accident because of the problem with your vehicle. If that happens, you can count on being found at least partly at fault for the accident because of your faulty equipment. You can also count on your auto insurance rates rising after you have an accident. Rather than risk higher premiums and a collision, fix the problem noted on the citation as soon as you can.