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Anything a driver does against the law while the vehicle is in motion is a moving violation. This includes running a red light, reckless driving, speeding, and driving under the influence of alcohol or drugs (DIU).


If you get pulled over due to a moving violation, the officer will ask for the following: your driver’s license, your vehicle registration, and a proof of car insurance. You will be issued a ticket and asked to pay a fine for a breaking a traffic law. If you choose to challenge the charge, you will need to appear on court on an assigned date.


How to prevent an insurance rate increase


Avoid any violation  

Any violation comes with a set fine and an assigned number points, which may impact your insurance rate. Avoiding violation and driving safely are the best ways to prevent any increase in your automobile insurance rate.


Attend defensive driving classes

Taking defensive driving classes under your insurance company may be a good option, too. Taking such classes may cause the insurance company to give you a discount or to forgive some of your points.


Appear on court

If a violation occurs and you get a ticket, you may opt to appear on court and seek a reduced charge; a negotiation to lower the violation, which means lower fine and points, can sometimes be made.They may consider your appeal especially if it is your first offense.


Ask your agent

If all else fails, talk to your agent about the other available options.