What can typically lead to higher premiums?

Higher premiums are often associated with multiple traffic violations because they indicate a history of risky driving behavior. When insurers assess risk, they look at a driver's record to determine how likely they are to file a claim. A clean driving record suggests a lower risk of accidents and claims, which typically results in lower premiums. Conversely, multiple traffic violations signal a pattern of unsafe driving that increases the likelihood of future incidents. Insurers may categorize these drivers as higher risk, leading to higher insurance costs to compensate for the potential increased payouts that could arise from accidents or claims resulting from those violations.