Ticket: Running a red light
Estimated premium increase: 10 percent
You break the law when you intentionally go through an intersection after its traffic signal turns red or roll through a right-turn-on-red without stopping.
Expect up to a 10 percent increase for running a red light, Hunter says.
If you have a tendency to breeze through red lights, your insurance premiums are probably high already. Red-light runners often have a history of accidents, DUIs, speeding and other violations, according to the Insurance Institute for Highway Safety.
Drivers who run a red light and cause a deadly accident are more likely to be drunk, speeding or driving without a valid license at the time.
In 2010, crashes involving red-light running killed 673 people and injured an estimated 122,000. About half the fatalities in these accidents are pedestrians, bicyclists and car passengers, according to the Insurance Institute for Highway Safety.
In urban areas, the most common type of collision involves drivers ignoring traffic controls, including red lights. The institute says people are hurt in nearly 4 out of 10 of those accidents.