How Does a Traffic Ticket Affect Insurance Rates?
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Traffic tickets happen to the best of us. Unfortunately, traffic tickets can have a big impact on our insurance. Insurance companies charge higher premiums to those drivers they believe are high-risk. Meaning you will have to pay for expensive insurance premiums for at least the next 3 years if you receive one or more traffic tickets. So how does a traffic ticket affect insurance rates?
How Do Insurance Companies Find Out About Traffic Tickets
Insurance companies have access to your driving record. So once you are convicted of an offense, it will appear on your record and they will see it.
Keep in mind, that traffic ticket wouldn’t affect your current insurance policy. But instead affects any future policies. So you will see a premium increase when your auto insurance renews or you apply for new coverage. That is because every renewal or application they review your driving record.
How Does a Traffic Ticket Affect Insurance Rates
According to Insurance.com, these are the average increase to your rates for common violations:
DUI/DWI first offense – $1,131
Reckless driving – $1,046
Driving with a suspended license – $918
Speeding 30+ mph over limit – $427
Texting while driving – $344
Failure to stop at a red light – $333
Speeding 16-29 mph over limit – $317
Speeding in a school zone – $308
Driving too slow – $305
Illegal pass – $293
Speeding 1-15 mph over limit – $288
Tailgating – $284
Illegal turn – $281
Failure to yield – $281
Failure to stop – $272
Talking on cellphone while driving – $224
Driving with expired registration – $161
Failure to wear a seat belt – $59
Keep in mind, how much more drivers have to pay for insurance depends on type of violation, state and prior violations.
What Can I Do
Fortunately, the state of California allows people who received a traffic citation to contest their case without a court appearance, in a process known as Trial by Written Declaration. Through Trial by Written Declaration, individuals are allowed to fight their tickets in writing instead of in-person.
But what about traffic school? Traffic school is an option. However, you will still have to pay an expensive fine and the point will still be on your record. Traffic school simply hides a point from insurance companies. Thus helping you keep your insurance rates from spiking.
Unlike traffic school, if you fight your traffic ticket using trial by written declaration and it is dismissed, that means no points, no fines and no court.
GetDismissed Experts are Ready to Help Today
For only $99, you can use our trustworthy process. GetDismissed promises to uphold our mission and work hard to create the best defense for fighting your ticket. Through our Trial by Written Declaration process, all you have to do is complete three simple steps: (1) take a picture of your ticket and driver’s license; (2) answer a few questions about your circumstances; and (3) submit your defense to your local court. With our high-quality system, you are guaranteed a great chance of getting your ticket dismissed.
Contact GetDismissed today!
Follow a manual added link
Photograph your ticket & license.
*If you don’t have your ticket handy, it’s okay — you can still start the process and just add it later!
Follow a manual added link
Provide info through guided questions.
*Be sure to quickly add as many notes about the stop as you can so you don’t leave out any important details!
Follow a manual added link
Sign & send your defense to court.
*We will send you a completed packet for the court that just needs your signature and a stamp!
What Types of Tickets Do We Help With?
GetDismissed produces results in fighting all kinds of tickets. Unfortunately, this list does not include exhibition of speed citations. Your best bet in fighting one of these infractions, is to contact an attorney. An attorney can negotiate on your behalf to try and reduce fines, or even to reduce the charges to a lesser infraction which could possibly qualify for traffic school.
We do however, contest infractions revolving around speeding, red lights, red light cameras, cell phones, signs (primarily stop signs), carpool violations, U-turns, out of lane violations, and commercial violations. If you receive a citation and have questions, contact us today.
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