Auto Insurance in Rhode Island, RI
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How long do tickets and accidents affect your insurance in Ohio? According to the Ohio's Bureau of Motor Vehicles, there is no section of the Ohio Revised Code (ORC) that states convictions ever come off of a person's driving record. Your OH auto insurance premium can go up if you cause an accident or have a moving violation. The company can raise ("surcharge") your premium if you are at fault in an accident or if you get several traffic tickets. But, you should not be surcharged for a minor moving violation or a single accident that was not your fault according to the Ohio Insurance Department of Insurance. Premiums cannot change until your next renewal date either according to the DOI. Different companies have different rules. Many do not consider incidents that are more than three years old, but some auto insurers will look back as far as five years in Ohio. If it has been over 3 or 5 years since your last ticket or moving violation conviction it does not necessarily mean that your insurance company will automatically lower your premium. The Ohio Insurance Department of Insurance notes that periodically you should ask your insurer to review your premium to make sure you are getting the best rate possible. Also, as your driving record improves, it may be time to start shopping for a better deal. [from car insurance faq]
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