Could breaking a municipal noise ordinance increase your car insurance rates?

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State laws vary, but I believe the answer would be no. I assume you're asking about breaking the municipal noise ordinance using your car's sound system. This can result in traffic citations, but insurance only increases with an indication that you're a higher liability as a driver, as evidenced by car crashes.

However, in the interest of respecting other drivers on the road, maybe you can keep the stereo turned down a couple notches. You want to hear your music; we want to hear ours.

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