Your auto insurance rates are determined based on how risky the insurance company considers you to be. Insurance carriers will have different methods for calculating risk, and thus different methods for determining rates.
Violations that relate to unsafe driving that will cause your premiums to increase include:
- Drunk driving
- Texting while driving
- Failure to stop or yield right of way
- Reckless driving
- Failure to stop at a light
- Speeding in a construction zone
Driving safely may be enough for you to avoid any spikes in your premiums. Of course, if your rates go up, they can also go down. By being a safe driver, you may see the price you pay for auto insurance decrease over the years.