How Long Do Speeding Tickets Affect Insurance?
Speeding tickets can be frustrating, but they can also affect your car insurance rates. When you receive a speeding ticket, there are a few important things you need to know about how it will impact your insurance rates. In this blog post, we will explore exactly how long a speeding ticket will affect your insurance rates and what you can do to keep your rates as low as possible.
Understanding How Speeding Tickets Affect Your Insurance Rates
When you receive a speeding ticket, your car insurance rates will likely increase. The amount of the increase will depend on several factors such as how many points are assessed on your driving record, your previous driving history, your insurance company, and your location.In general, a speeding ticket will result in a minor increase in your car insurance rates, which can last from three to five years. The exact length of time that a speeding ticket will affect your insurance rates will vary depending on the state in which you live and your insurance company’s policies.
How Long Do Points Stay on Your Driving Record?
Speeding tickets typically come with points on your driving record, which can vary depending on the severity of the violation. The points can remain on your driving record for years, depending on the state in which you live.For example, in California, a speeding ticket will remain on your driving record for three years. In Nevada, points can remain on your driving record for up to 12 months, while in Illinois, points can remain on your driving record for up to five years.
How to Keep Insurance Rates Low
The best way to avoid paying higher insurance rates due to a speeding ticket is to practice safe driving habits. Simple things like obeying traffic laws, wearing a seatbelt, and avoiding distractions while driving can all help keep your insurance rates low.In addition, taking a defensive driving course can help you reduce the impact of a speeding ticket on your insurance rates. Many insurers offer discounted insurance rates to drivers who complete a defensive driving course.
Conclusion
In conclusion, speeding tickets can affect your car insurance rates, typically for three to five years. The length of time the ticket will remain on your driving record varies depending on your state. The best way to avoid higher insurance rates is to practice safe driving habits and take a defensive driving course.If you’ve received a speeding ticket, don’t panic. Take the appropriate steps to address the ticket and maintain safe driving habits. Doing so will help you keep your insurance rates as low as possible.