Will A Traffic Ticket Raise My Insurance Costs?

No one wants to receive a speeding ticket. However, many drivers have received one at some point.

In the short term, a single ticket might seem like more of an inconvenience than anything else. However, tickets might impact drivers even after they disappear from their driving record. In some cases, drivers might even see their insurance costs rise due to tickets.

Why Tickets Might Impact Insurance Costs

When law enforcement tickets you for a driving violation, it means that you have broken the law. You were driving in a manner deemed unsafe by the authorities. As such, a ticket is a penalty for unsafe driving.

So, how might a ticket impact your insurance prices?

When you receive a ticket, it goes on your driving record. The notation may be permanent or only remain on the record for a certain period of time (usually a few years).

Insurers frequently look at a driver’s record when setting auto insurance premiums. A ticket on the record might indicate to the insurer that the driver presents a higher risk for accidents or other issues. This means that the driver might be more likely to file an auto insurance claim.

As the driver might present a higher claim risk, the insurer may charge that person more for coverage. They might also reduce discounts, cost savings or policy exemptions otherwise available to safe drivers. This is the case because the insurance might have a higher chance of having to pay for a claim made by the insured person.

Avoiding Tickets

There are ways drivers can avoid tickets, and protect themselves from insurance penalties. Of course, the best way to avoid driving penalties is to follow the law and drive within the speed limit. Other methods may include:

• Enrolling in a defensive driving course. These courses can help drivers re-familiarize themselves with safe driving practices.
• Avoiding the use of technology behind the wheel. This includes all mobile devices. Many states have laws against cell phone use while driving.
• Investing in speed or hazard-monitoring services for your own vehicle. Some newer vehicles might even have these built into the car already. This technology can often notify you immediately if it detects speeding or other issues. Some of these devices even sync to smartphones.

If you receive a ticket, don’t panic! Some insurers will forgive isolated incidents or minor driving violations. However, you’re unlikely to get amnesty for severe violations.

If you have questions about your coverage, contact Cloverleaf Insurance today. We’re happy to help!