Driving offenses highly affect your insurance rates, and even non-moving offenses, like parking violations, could make your rates go up. Accidents aren’t the only problems you could have – avoid Arizona DWI/ DUI charges, Arizona speeding tickets, and other accumulations of points if you want to keep your rates as low as possible. Just one speeding ticket can change the price by hundreds of dollars, so drive safely!

Every company has their own policies for raising rates. In most cases, you’ll find that if you get into an accident or get a moving citation, your rates will go up right away. However, annually, insurance companies will readjust their rates, so you may see your rates go up or down every 12 months.