Which of the following actions could lead to an increased insurance premium in Missouri?

Receiving a traffic violation is a significant factor that can lead to an increased insurance premium in Missouri. Insurance companies assess risk based on driving history, and a traffic violation indicates a higher likelihood of future incidents. This can include moving violations such as speeding tickets or reckless driving charges, which insurers might view as indicators of risky behavior. Consequently, when an individual receives a traffic violation, the insurance provider may raise the premium to offset the perceived risk associated with insuring that driver.

In contrast, paying premiums on time typically helps maintain a good relationship with the insurer and can sometimes even lead to discounts. Taking a defensive driving course often rewards drivers with lower premiums because it reflects proactive behaviors intended to improve driving skills. Moving to a rural area generally leads to lower premiums, as rural locations often experience fewer accidents and claims compared to urban areas. All these factors contribute to insurance calculations, but a traffic violation directly signals increased risk, warranting a rise in premiums.