How Long is a Speeding Ticket Held Against You For Auto Insurance Purposes?

When you are thinking about your auto insurance and your auto insurance coverage, you will find that you are looking at an expense that you have to pay, but unlike your rent or your house payment, you will find that the amount can go up and down fairly dramatically. When you want to make sure that you have affordable and cheap auto insurance, you will find that one of the things that you have to look at is what happens to your auto insurance quotes when you get a speeding ticket! Your insurance policy can be a tricky thing, so keep some of the following information in mind.

When you are thinking about things that can raise your auto insurance rates, you will find that you don’t have to worry about your first minor traffic violations. Things like a few parking tickets or even a single speeding violation will most likely not be held against you. When these incidents are rare, you will find that most insurance companies are fairly forgiving. Things of this nature only become a problem when you start repeating them, or if you find that you are getting them constantly.

If the offense is significant, however, you will find that you can see a rise in your insurance policy. You may see a rise if you have been engaging in reckless behavior that got you a speeding ticket. Keep in mind that your driving offenses are going to be separated into categories, and points are going to be given depending on how serious the offense is. With this system, what is essentially happening is that your amount of points will total up with the insurance company, and once you have accumulated a certain amount over a limited span of time, you will find that you are going to be classified as a high risk driver and your rates will go up accordingly.

When you want to make peace with your auto insurance company over something like a speeding ticket, remember that if you get no other violations that you can expect your rates to go down. Depending on the company, this can take anywhere from eight months to over a year; the nature of the speeding ticket will also affect it. When you are looking to make sure that your rates go down as fast as they can, make sure that you look into things like voluntary traffic school, which can remove the ticket from your record entirely. This can have a powerful effect on your ability to reduce your rates.

Remember that your auto insurance is not carved in stone. Take the opportunities that are handed to you to clean your records and you’ll find that there are plenty of things that you can do to lower your rates.