It is a sunny day. You are having a pleasant drive, perhaps singing along to your favorite song, when you hear the sirens. Looking at the speedometer, you realize you were speeding. This is your first ticket. For those of us who have experienced these unfortunate events, the first question you may ask after the initial disbelief is: How much is my car insurance going to go up? The answer to that question depends on many 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.
Another factor that insurance companies will consider is the policy holderas age. Younger drivers tend to have higher rates anyway. Younger drivers who receive a ticket should expect a significant rate increase because the insurance companies view such a record as a large 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.
Make sure you're covered. Too many Americans put themselves and others at risk by driving uninsured. Insurance is easier to arrange now that ever, with Allstate and Progressive Direct, among others, offering online and over the phone insurance options. Make sure you visit a few different sites so you can make sure you get the best deal for you. Prices will vary greatly from company to company, so don't go with the first one to give you a quote.
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. - 16089
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.
Another factor that insurance companies will consider is the policy holderas age. Younger drivers tend to have higher rates anyway. Younger drivers who receive a ticket should expect a significant rate increase because the insurance companies view such a record as a large 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.
Make sure you're covered. Too many Americans put themselves and others at risk by driving uninsured. Insurance is easier to arrange now that ever, with Allstate and Progressive Direct, among others, offering online and over the phone insurance options. Make sure you visit a few different sites so you can make sure you get the best deal for you. Prices will vary greatly from company to company, so don't go with the first one to give you a quote.
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. - 16089
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