Reader’s Question:

Do two auto insurance points increase your auto insurance rates in Florida?

Bruce

Miami, FL

Yes, it is possible that 2 insurance points could cause your car insurance rates to increase. It really depends upon your insurance company’s rating system and state insurance laws if your rates will go up due to two insurance points.

For instance, in Florida the state law states that your 1st minor infraction won’t surcharge your insurance rates, but it may not allow for discounts depending on the carrier. Therefore, it is important to understand your state to provide a more accurate answer.

If your state permits insurance points to be used and for insurance carriers to use their own rating system, then you would need to contact your insurance company to find out how two insurance points will affect your auto insurance premiums.

You should also be able to contact your state’s insurance regulator since insurance companies will be required to file their insurance rates with this state agency.