Many things can affect your auto insurance premiums, forexample, how many miles you drive per day and per year, whetheryou’ve been in any accidents that were your fault and where youlive.
|One factor you may not be aware of is the number of movingviolations you’ve received when driving a particular vehicle.(Parking tickets generally don’t count.)
|When assessing risk, insurance carriers look at a person’sdriving habits and presume that someone with several tickets forspeeding is more likely to get into an accident than someone withno moving violations. In addition, the amount of the claim for anauto in a high-speed accident is going to be higher, with moreproperty damage and possibly bodily injuries as well.
|Red cars and speeding tickets
Drivers have thought that the color of the car was a majorinfluence on whether they received speeding tickets. A long-heldbelief is that red cars are ticketed more often than any othercolor. But most lawenforcement agencies deny that a car’s color has anything to dowith whether it will be cited for speeding more often.
According to a recent study from Insurance.com, speederstend to prefer the same model cars. Drivers and car owners can useInsurance.com’s “Ticket Magnet” tool to analyze how many ticketstheir car make or model receives based on more than 323,000insurance quotes for drivers who use the site.
|The analysts at Your Mechanic examined the data more closely todetermine whether the type of car makes a difference in the amountof tickets it received. When they segmented the models into luxurycars, mid-size, compact, sports cars, pickup trucks, SUVs andsubcompact cars, they found some interesting data on what types ofdrivers are typically getting the most tickets.
|Common traffic violations
As Maddy Martin at Your Mechanic points out,traffic violations can differ from state to state, but some of themost common ones are running a red light, driving at night withoutheadlights, illegal turns, illegal parking,or running a stop sign.Speeding laws also fluctuate based on the state and road.
Here are the 10 most ticketed cars by model and percent ofvehicle owners, based on the data analysis from Your Mechanic. Notethat there are no dates or date ranges provided with the results.They only reflect information from a driver who providesinformation to the Ticket Magnet tool.
|||(Photo: Carlos Osorio/AP Photo)
|10. Toyota Tacoma — 30.1 percent of vehicleowners
Related: Here's what it cost to insure popular cars in thebest states for car sales
||(Photo: Kelley BlueBook)
|9. Acura — 30.1 percent of vehicle owners
|(Photo: David Zalubowski/AP Photo)
|8. Dodge Stratus SXT — 30.2 percent of vehicleowners
|(Photo: Tony Avelar/AP Images)
|7. Volkswagen GTI — 30.3 percent of vehicleowners
Related: Drivers for Uber, Lyft operate their cars moresafely, report says
||(Photo: Ross Dettman/AP Images)
|6. Mazda 3S — 30.3 percent of vehicle owners
|(Photo: Wikipedia)
|5. Chevrolet Monte Carlo LS/LT — 30.8 percent ofvehicle owners
Related: It's time to curb auto claims’ drivingforce
|||(Photo: VolkswagenColors.info)
|4. Volkswagen Jetta GL — 31.4 percent of vehicleowners
|(PRNewsFoto)
|3. Dodge Charger — 32.1 percent of vehicleowners
Related: Self-driving cars: Who's liable when software is atthe wheel?
||(Photo: iStock)
|2. Nissan 350Z — 32.5 percent of vehicle owners
|(Photo: Lexus)
|1. Lexus ES 300 — 33.4 percent of vehicle owners
Editor’s Note: Personally, I was relieved that my car – ared Ford Mustang – was not on the list. Another surprise? Some arenot recent models. Are you surprised by any of these? Let us knowyour thoughts in the comment section below.
|Related: 5 reasons to embrace telematics for the connectedcar: What insurers need to know
Save
|Save
|Save
|Save
|Save
|Save
|Save
|Save
|Save
Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader
Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:
- All PropertyCasualty360.com news coverage, best practices, and in-depth analysis.
- Educational webcasts, resources from industry leaders, and informative newsletters.
- Other award-winning websites including BenefitsPRO.com and ThinkAdvisor.com.
Already have an account? Sign In
© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.