How Will a Speeding Ticket Affect Your Auto Insurance?

Getting a speeding ticket is a stressful and overwhelming time. Not only will you have to pay the ticket fee, but it may also lead to raised insurance premiums since it shows your insurance provider that you are a risky driver. However, it is important to keep in mind that not every speeding ticket is the same. The speed you were going when you got a ticket, along with a couple other factors will determine the amount that your auto insurance premiums will rise.

Each time you get a speeding ticket, a point will be added to your license, depending on the speed you were going. The faster you were going, the more points will be added. The more points you have, the higher your insurance premiums will be.

Your insurance company will also look at your driving record when deciding how much your insurance premiums will rise. If you have a good driving record with only a few prior violations, then your insurance premiums may not rise at all, or only increase a little bit. If you are a young driver who already has a long list of moving violations, you will see a dramatic increase on your premiums.

If you get a few speeding tickets in a short amount of time, you will also see a more dramatic increase. It could also cause you to lose any good driving discounts that are helping to keep your premiums low.

In most cases, a speeding ticket will stay on your record for up to 36 months. Even if the point is removed from your record, insurance companies may be able to see that you got a ticket. Taking a defensive driving course is one of the best ways to avoid speeding tickets since they tend to lead to better driving habits.

For all your auto insurance needs, contact Scavone Insurance Agency Center LLC in White Plains, New York.