Which of the following could potentially increase your insurance premium?

Having multiple traffic violations can significantly increase your insurance premium because insurance companies assess risk based on a driver's history. A record filled with traffic violations indicates a higher likelihood of future claims, prompting insurers to view that driver as more risky. Consequently, they adjust the premium upwards to mitigate potential financial losses associated with this perceived risk. This is why maintaining a clean driving record is crucial for keeping insurance costs manageable, as good driving behavior typically results in lower premiums or even discounts. The other options do not contribute to increased premiums; in fact, they can often lead to savings on insurance costs instead.