 TITLE: Which Traffic Violations Increase Your Insurance Rates? CONTENT: Other Ways to Lower Your Auto Insurance Costs\n---------------------------------------------\nWhether or not you're facing the prospect of a rate hike due to a traffic violation, it's a good idea to consider ways to save on car insurance. Here are just a few options:\n*   **Shop around.** Each auto insurance company has its own criteria for determining rates, so even with a violation on your record, it's possible to save money by switching to a different insurer.\n*   **Ask about discounts.** You may be able to find discounts that help drive down the cost of coverage. Ask your insurance company if there are discounts available that you're not taking advantage of already. If you're shopping around for a policy, do the same with each insurer that gives you a quote.\n*   **Improve your credit.** In most states, auto insurance companies use a credit-based insurance score to help calculate your rates. Check your credit score to see where you stand, then review your credit report to identify areas that you can address. Improving credit can take time, but the effort can pay off for years to come.\n*   **Reduce coverage.** Downgrading your car insurance could be another way to save, especially if you're over-insured. Just be sure to weigh the benefits of saving now versus the costs you may face if you end up having to file a claim.\nAs you look into these and other ways to lower your auto insurance costs, you'll have a better chance of limiting the impact of a traffic violation now and in the future. END