Will A Speeding Ticket Make My Insurance Too Expensive?
Many people will experience that sinking feeling when they see a police car in their mirror and realize they're well over the speed limit. You're not alone; but after you've paid the fine, how much will you have to pay to your insurance company for that moment of carelessness?
The good news is that insurance companies don't lump all speeders together. A driver with a long and clean history up until the ticket may well not be punished too much by higher premiums. But don't expect that to be true if you've only held your insurance for a couple of months.
Age also plays a strong role, with younger drivers taking a hit in overall cost, even if they abide by all the rules of the road. A young driver with a ticket clearly indicates to the insurance company that they are a bad risk.
The companies also take into account the exact nature of the violation: the amount over the speed limit, as well as how high the total speed was clocked. All these elements have a role in dictating the driver's level of risk.
If your ticket was written as a result of a wreck you caused, expect your insurance to increase significantly. This is true no matter what your age or previous driving record. Anytime a driver causes damages to their own car, someone elseas car, or property, the insurance company must pay money and you become an insurance risk.
On the other hand, it is a relatively little known fact that tickets can be dismissed and excluded from your driving record by a court. Courts often dismiss tickets for smaller violations, with the driver only having to pay court costs. Check out the exact situation in your state.
Many Americans don't have any car insurance - make sure you're not one of them! It is important that you are properly protected by an insurance policy for when disaster hits, regardless of how good a driver you think you are. Well known companies like Allstate and Progressive Direct can provide you with insurance online or by phone. Always provide accurate and truthful information, and take the time to shop around for quotes and the best deal.
Nobody enjoys getting a ticket, but it need not be a disaster in terms of continued insurance coverage of your driving. As with most things in life, it pays to be prepared. Check out your insurer's policy towards traffic tickets BEFORE you get caught. That way you won't have to face anything more unpleasant than the police officer's telling-off.
The good news is that insurance companies don't lump all speeders together. A driver with a long and clean history up until the ticket may well not be punished too much by higher premiums. But don't expect that to be true if you've only held your insurance for a couple of months.
Age also plays a strong role, with younger drivers taking a hit in overall cost, even if they abide by all the rules of the road. A young driver with a ticket clearly indicates to the insurance company that they are a bad risk.
The companies also take into account the exact nature of the violation: the amount over the speed limit, as well as how high the total speed was clocked. All these elements have a role in dictating the driver's level of risk.
If your ticket was written as a result of a wreck you caused, expect your insurance to increase significantly. This is true no matter what your age or previous driving record. Anytime a driver causes damages to their own car, someone elseas car, or property, the insurance company must pay money and you become an insurance risk.
On the other hand, it is a relatively little known fact that tickets can be dismissed and excluded from your driving record by a court. Courts often dismiss tickets for smaller violations, with the driver only having to pay court costs. Check out the exact situation in your state.
Many Americans don't have any car insurance - make sure you're not one of them! It is important that you are properly protected by an insurance policy for when disaster hits, regardless of how good a driver you think you are. Well known companies like Allstate and Progressive Direct can provide you with insurance online or by phone. Always provide accurate and truthful information, and take the time to shop around for quotes and the best deal.
Nobody enjoys getting a ticket, but it need not be a disaster in terms of continued insurance coverage of your driving. As with most things in life, it pays to be prepared. Check out your insurer's policy towards traffic tickets BEFORE you get caught. That way you won't have to face anything more unpleasant than the police officer's telling-off.
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