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.
It pays to be old and experienced too. Young drivers are universally viewed as worse risks, and a speeding ticket only reinforces the insurance companies' prejudice against the inexperienced. If you're young and new to driving it's more important than ever that you abide by the rules of the road - it will pay off in large savings in time to come.
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.
For instance, did your bad driving result in a car wreck? If so, expect your insurance to go up dramatically regardless of how good a record you had in the past. You insurer has just had to dip into his own pocket to pay for your carelessness, and he'll now want to make back the money he just lost.
Minor infractions can sometimes be cleared from your driving record by the courts. It's possible that a court will be willing to dismiss the infraction, with the driver only having to pay court costs rather than a fine and having his transgression appear on a record. But check out your local state law for details.
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 if you do, it may not result in an insurance increase beyond what you can afford to pay. It's a good idea to find out how your insurer handles traffic tickets when you first take out a policy, so you know what to expect once those blue flashing lights have faded into the distance.
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.
It pays to be old and experienced too. Young drivers are universally viewed as worse risks, and a speeding ticket only reinforces the insurance companies' prejudice against the inexperienced. If you're young and new to driving it's more important than ever that you abide by the rules of the road - it will pay off in large savings in time to come.
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.
For instance, did your bad driving result in a car wreck? If so, expect your insurance to go up dramatically regardless of how good a record you had in the past. You insurer has just had to dip into his own pocket to pay for your carelessness, and he'll now want to make back the money he just lost.
Minor infractions can sometimes be cleared from your driving record by the courts. It's possible that a court will be willing to dismiss the infraction, with the driver only having to pay court costs rather than a fine and having his transgression appear on a record. But check out your local state law for details.
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 if you do, it may not result in an insurance increase beyond what you can afford to pay. It's a good idea to find out how your insurer handles traffic tickets when you first take out a policy, so you know what to expect once those blue flashing lights have faded into the distance.
About the Author:
To find out exactly how you can get information about car insurance quotes visit my automotive website.
No comments:
Post a Comment