Parking tickets and your insurance: what’s the connection?


We know that getting a parking ticket can be a big hassle and an added expense that you didn’t anticipate. But don’t worry; our blog is here to help you avoid this situation. We’re providing helpful tips and strategies to ensure you never have to deal with a driving or parking ticket again. We’ll also explain the differences between these types of tickets and how they can affect your vehicle insurance rates.


Parking: practical tips and strategies

  • Familiarize yourself with parking regulations
    The first step in avoiding parking tickets is to understand the parking regulations in your area as they differ from different regions of a city or timeframes. Take the time to familiarize yourself with signage, restrictions, and time limits. Pay attention to any changes or updates in parking rules, especially in areas where you frequently park. For example, street parking may not be available before rush hour traffic, which leads to towing-enforced routes.
  • Plan and research parking options
    Before heading out, plan your parking strategy. Look for authorized parking lots, garages, or designated parking areas near your destination. Consider using parking apps or websites that provide information on available parking spaces and rates. Some parking lots offer a discount for paying ahead, so not only will you be prepared for parking, but you might also save a few bucks!
  • Read and follow signage carefully
    When searching for parking, carefully read and interpret parking signs. Look for specific restrictions, such as time limits, permit requirements, or loading zones. Avoid parking in areas marked with no-parking signs or spots reserved for purposes, such as emergency vehicles or handicapped parking. There’s a reason restrictions are in place and essential to the flow of traffic and access points.
  • Pay attention to time limits and metered parking
    If parking in a metered area, adhere to the specified time limits and payment requirements. Set reminders on your phone or keep track of the time to avoid overstaying your allotted parking duration. Consider using mobile payment apps or carrying sufficient change to pay for parking meters promptly. Some apps provide push notifications when your parking is about to expire with the option to extend it. This helps you not only realize your spot is about to expire but also provides the opportunity to extend your parking if you need a few more minutes without the fear of the dreaded windshield ticket.
  • Utilize parking permits or passes
    If you frequently park in specific areas, consider obtaining parking permits or passes from local authorities. These permits can provide designated parking spaces or exemptions from certain restrictions. Familiarize yourself with the requirements and application process to benefit from these parking privileges.
  • Avoid illegal or risky parking practices
    It would be best to avoid parking in prohibited areas, such as fire lanes, crosswalks, or bus stops. Respect designated parking spaces for individuals with disabilities, as parking in these areas without proper authorization can result in significant fines and penalties. Be mindful of driveways, private property, and areas with restricted parking, ensuring you park legally and considerately. Respecting the rules prevents tickets and promotes safety and courtesy to your fellow drivers.
  • Stay updated on parking regulations
    Parking regulations can change periodically, so it’s essential to stay informed. Look for any new parking rules or updates in your area. Local government websites, social media pages, or mobile apps can be valuable resources to stay up-to-date with regulations and any changes that might affect you.


Understanding the difference in impact on insurance rates: parking tickets vs. driving tickets

While parking tickets can be inconvenient and unnecessary, they generally don’t impact insurance rates. Parking violations are non-moving and not factored into insurance premium calculations. On the other hand, driving tickets involving moving violations can result in increased insurance premiums. Insurance companies view moving violations as indicators of increased risk on the road, which can lead to accidents or further traffic violations.

Although parking tickets don’t impact insurance rates, they’ll affect your wallet and access to your vehicle if it’s towed! Ensure you’re prepared before acing that parallel parking spot, so you have peace of mind when you’re out and about. By practicing responsible driving, adhering to parking regulations, and avoiding moving violations, you can minimize the potential impact on your insurance rates and maintain a clean driving record.

Now that you know how to protect yourself against parking tickets, why not head to our auto insurance page to learn more about coverage options? Ready to chat with a member of our auto insurance team? Connect with us today!


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