Does a Speeding Ticket Affect Your Insurance in Florida?
When you get a speeding ticket in Florida, there are many potential consequences you may face. One of the most pressing questions people have is whether or not the ticket will impact their car insurance rates. The answer is not simple, as it varies depending on your circumstances, and there are many factors to consider. In this post, we will discuss everything you need to know about how a speeding ticket may affect your car insurance rates in Florida.
How a Speeding Ticket Affects Your Driving Record
In Florida, a speeding ticket will typically add points to your driving record. These points will vary depending on how fast you were driving, where you were driving, and other factors. For example, if you were cited for driving 15 miles per hour over the speed limit, you will typically receive three points on your license. However, if you were speeding in a school zone or construction zone, you will receive four points.
These points can add up quickly and have a significant impact on your driving record. In Florida, if you accumulate 12 points within 12 months, your license may be suspended. Additionally, points on your driving record can impact your car insurance rates, as insurance companies view those with more points as higher-risk drivers.
How a Speeding Ticket Affects Your Car Insurance Rates
Getting a speeding ticket in Florida can impact your car insurance rates in several ways. Insurance companies have a different method of calculating rates, so the impact will depend on the insurance company you are insured with. However, here are a few of the most common ways your car insurance rates may be affected:
Increased Premiums
The most obvious way a speeding ticket can impact your car insurance is through an increase in your premiums. When you receive a ticket, it signals to the insurance company that you are a higher-risk driver. In response, they may raise your rates as a way to offset the added risk. The exact increase will depend on the insurance company.
Some insurance companies may have policies in place that allow for a specific number of violations before rates increase. However, others may increase rates after just one ticket. Additionally, the amount of the increase will depend on the severity of the violation, your history of traffic violations, and other factors.
Losing Safe Driver Discounts
Another way a speeding ticket can affect your car insurance is by causing you to lose any safe driver discounts you may have. Many insurance companies offer discounts to drivers who have clean driving records. However, if you receive a speeding citation, you may lose those discounts, resulting in higher premiums.
Affecting Your Eligibility for Coverage
In some cases, receiving a speeding ticket may also make it more difficult to obtain coverage. Insurance companies are not required to offer coverage to everyone, and those who are seen as higher-risk drivers may have a harder time finding coverage. If you have a poor driving record, including multiple speeding tickets, this may make it challenging to find affordable car insurance.
What to Do If You Receive a Speeding Ticket
If you receive a speeding ticket in Florida, it’s essential to take steps to minimize the impact on your driving record and insurance rates. Here are some tips:
Pay the Ticket
The first step is to pay the ticket promptly. By doing so, you will avoid any additional penalties, such as late fees or license suspension.
Fight the Ticket
If you believe you were ticketed unfairly or the officer made an error, you may be able to contest the ticket. In some cases, this can result in a dismissal of the ticket or a reduction in the severity of the violation.
Complete a Driver Improvement Course
In Florida, completing a driver improvement course can remove points from your driving record. Additionally, some insurance companies offer discounts to those who complete such a course.
Shop for Car Insurance
If you see a significant increase in your insurance rates after a speeding ticket, it may be worthwhile to shop around for car insurance. Each insurance company has its own rates and policies, so you may be able to find a better deal elsewhere.
Conclusion
Getting a speeding ticket in Florida can impact your driving record and insurance rates. However, the degree of impact will vary depending on several factors. Make sure to pay your ticket promptly, contest it if necessary, and take steps to minimize the impact on your driving record and insurance rates. If you need help fighting a speeding ticket, consider contacting a traffic ticket attorney. By taking a proactive approach, you can avoid any unnecessary penalties and maintain affordable car insurance rates.