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Insurance Rates After a Speeding Ticket

Insurance Rates After a Speeding Ticket

Getting a speeding ticket is not a pleasurable experience for anyone. The costs involved to pay a traffic ticket usually hits our bank accounts pretty hard, especially speeding tickets. The price that someone has to pay for a speeding ticket varies from state to state, though you would be very lucky if you had to pay less than $100.00 for your citation. Another thing to remember is that the faster you are going, the more your fine will be.

The traffic fine is not the only thing we must worry about when we get a speeding ticket, or any other traffic ticket. We must also worry about our auto insurance rates rising once they find out about the speeding ticket. How much will my auto insurance rates go up after I get a speeding ticket? That all depends on what actions you are going to take.

If you enroll in traffic school, it will be like your auto insurance company never knew about your speeding ticket. Be advised though, if you were driving a certain number of miles over the speed limit, traffic school may not be available to you and your insurance company will definitely know about your speeding ticket. Driving over a certain speed will also get you cited for reckless driving which again will not make you eligible for traffic school. If you take advantage of traffic school, you will not be able to take it again for a certain amount of time, that time limit varies from state to state. If you complete traffic school to take care of a speeding ticket but get another ticket 3 months later, you will have to suffer the consequences.

Even if your auto insurance company were to find out about your speeding ticket, they may be lenient the first time. If you averaged one speeding ticket every three years, you still would not have to worry about your insurance rates going up. That does not mean you want to get any speeding tickets though, because if you get a speeding ticket and have a small accident during a three year gap, your insurance rates may go up. If your insurance company raises your rates on you, it will be at least a couple hundred dollars more a year. Best thing for you to do is to avoid speeding and you will avoid lots of problems, not to mention all of the money that you will save.