State Farm Auto Insurance Practice Test 2026 – Complete Exam Preparation

Understanding the difference between minor and major violations is crucial because it directly impacts insurance eligibility and rates. Minor violations, such as a speeding ticket or a parking infraction, typically result in less severe consequences regarding insurance. They may lead to a slight increase in premiums but generally do not render a driver ineligible for coverage.

On the other hand, major violations, such as driving under the influence (DUI) or reckless driving, can significantly affect a driver's insurance profile. Such infractions often lead to higher premium rates, as they indicate a higher risk to insurance providers. In some cases, major violations can even result in a denial of coverage from certain insurance companies, as they may consider a driver with a major violation as too high of a risk.

This distinction is essential for both insurers and insureds, making it a fundamental concept in the realm of auto insurance. Understanding this difference allows potential policyholders to be aware of how their driving history could influence their insurance costs and options.