Imagine the scene. You are driving along happily one day when suddenly there is an unpleasant blue and red flash in your mirror and you hear the siren of a police car. You've been caught speeding, and now you are about to receive your first ticket. It's a scenario many of us are only too familiar with, and one which, after the initial shock has subsided, leads on to a further question: 'how will this effect my car insurance?' The answer depends on a number of interrelated factors.
Insurance companies will look at your previous driving record, before the current ticket was issued. If you've managed to drive without any infractions for a long time, then your insurance may not increase too greatly. However, if you have only just begun driving, and have already picked up your first ticket, then you should expect a correspondingly larger change in your insurance rate.
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.
Likewise, someone who was clocked at 60 in a 30mph zone will be viewed in a different way to someone clocked at 35. Speeding tickets are common, and many good drivers will make a mistake during their lives behind the wheel. But some transgressions are obviously more serious than others.
If your driving infraction caused a serious accident, then you should not be surprised when you insurance increases a large amount. You actions have resulted in the insurance company paying out money, and it will now seek to claw it back through higher premiums. That will be the case however blameless your previous driving career has been.
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.
If you are one of the many Americans without car insurance, it is in your best interest to obtain insurance as soon as possible. . Insurance companies like Allstate and Progressive Direct offer a car insurance estimate online or over the phone. Make sure the information you give while obtaining a car insurance estimate is accurate. Also, check with many companies for a car insurance estimate to ensure you are getting 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. - 15275
Insurance companies will look at your previous driving record, before the current ticket was issued. If you've managed to drive without any infractions for a long time, then your insurance may not increase too greatly. However, if you have only just begun driving, and have already picked up your first ticket, then you should expect a correspondingly larger change in your insurance rate.
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.
Likewise, someone who was clocked at 60 in a 30mph zone will be viewed in a different way to someone clocked at 35. Speeding tickets are common, and many good drivers will make a mistake during their lives behind the wheel. But some transgressions are obviously more serious than others.
If your driving infraction caused a serious accident, then you should not be surprised when you insurance increases a large amount. You actions have resulted in the insurance company paying out money, and it will now seek to claw it back through higher premiums. That will be the case however blameless your previous driving career has been.
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.
If you are one of the many Americans without car insurance, it is in your best interest to obtain insurance as soon as possible. . Insurance companies like Allstate and Progressive Direct offer a car insurance estimate online or over the phone. Make sure the information you give while obtaining a car insurance estimate is accurate. Also, check with many companies for a car insurance estimate to ensure you are getting 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. - 15275
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