Effects of Moving Violation Tickets on Car Insurance

Getting a moving violation ticket must be something motorists worry about. If you know nothing about what might happen you may drop your guard. Keeping a clean driving records and low car insurance rates require constant attention. It takes only few seconds of carelessness to have a serious accident or get caught by a speed camera.

Motorists should realize that driving is a privilege, not an automatic right. The state that has given your license can take away as well when you fail to observe the rules and laws. Most states run a point system to penalize bad driving practices. There are many drivers who have landed themselves in hot waters in a short space of time. Traffic violation tickets can quickly accumulate to reach maximum allowable points and loss of license by suspension or revocation. Tickets affect your car insurance rates if they go onto your driving record and seen by insurers.

I Just Got a Ticket, What Is Next?

Everyone makes a mistake once in a while. It becomes a serious problem when you do not learn from it and keep repeating it. You may be able to get away with the first ticket as long as you have not caused an accident while you are violating traffic rules. There are a few things you can do to reduce the effects of a moving violation ticket on auto insurance.

First of all, you may have the option of going to a traffic school. Some authorities offer this option for minor incidents in the hope that drivers will learn from it. If you are offered such option you should take it without hesitation. These schools can be as expensive as the fines would be but at least you learn how to be a better driver. You get a second chance to start all over.

On successful completion of a driving school your traffic ticket is removed and not registered with DMV. Also, you do not get point deduction from license. This way, your insurer will not find out about the whole incident and you will be able to keep your current premiums and discounts. Overall, this is the best, cheapest and easiest way out.

If you are not offered such option, you should attend the court. Generally, attending the court is half the success. You may be given an opportunity to reduce your ticket to non-moving violation that will not require point deduction or registration with DMV. This could happen in several ways. The officer who issued the ticket may not turn up allowing you to defend yourself better. You may be offered a lesser fine even before appearing in front of the judge to spare the time you will take in the court. Or you may be able to put a successful defense and get cleared.

Does your Insurance Go up if You Get a Ticket?

Ordinary traffic tickets are not registered or cause a point deduction and they will have no effect on your auto insurance costs. However, moving violation citations and confirmed tickets will be found out by your insurer. This will result in premium increases. The amount depends on your driving records, age, seriousness of the incident and if this is your first incident. When you have a very clean record for over ten years you may not see much of a difference for one ticket.

However, you may see as much as thirty percent increase on your vehicle insurance rates if you are a young person with short driving history. The same applies if you had a claim recently as well. Most established insurers will refuse to renew your policy if this was for a DUI. Also, your license would be suspended by most states.

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