Does having a traffic ticket affect my ability to get car insurance?

Yes, having a traffic ticket can affect your ability to get car insurance. In Mississippi, when you get a traffic ticket you are given points on your driving record. Insurance companies use these points to determine what your rates will be. The more points you have the more expensive your insurance will be. Depending on the severity of the traffic ticket, you may even be denied coverage altogether. In addition to points on your driving record, insurance companies may also look at when the ticket happened. If it was recently, the company may view you as a higher risk and may not offer you coverage. They also look at the type of ticket you got. If it is something serious like a DUI or a reckless driving charge, the insurance company might decide to deny you coverage altogether. It is important to remember that traffic tickets can stay on your record for up to three years. If you get multiple tickets in a short period of time, it can have an even greater effect on your ability to get car insurance. The best thing you can do is try to avoid getting traffic tickets and drive responsibly. This will help to keep your insurance rates low and make it easier to get car insurance.

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Does having a traffic ticket affect my ability to get car insurance?

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