Tickets and Auto Insurance Rates

A ticket is something nobody wants on their driving record. But nobody is perfect, and a ticket on your driving record isn’t the end of the world.

Learn how to find affordable auto insurance even with a ticket on your record.

Traffic Tickets = Higher Rates

A driver with a traffic ticket on his or her record will probably be charged a higher auto insurance rate. This is because auto insurers view drivers ticketed for moving violations as “higher-risk” than drivers with spotless driving records.

Obviously, the best way to avoid higher rates is to avoid tickets altogether.

Ticket on Your Record? Shop Around and Save Money on Auto Insurance

Think you’re stuck with a pricey auto insurance premium because of a ticket? Think again. If you take a few minutes to shop around and compare auto insurance quotes from several insurers, you could find a much lower rate.

Auto insurance rates vary by company, and each insurer calculates rates differently. So while one company that punishes you for a single traffic ticket, another may forgive a single ticket entirely and offer you a low-cost rate. Other companies specialize in insuring drivers with imperfect driving records, so shopping around could save you a bundle.

Tickets Take 3-5 Years to Disappear

Tickets don’t drop off your driving record quickly. In fact, a ticket will linger on your driving record for three to five years, depending on which state you live in.

Even worse, many auto insurers only check driving records when you first apply for coverage. This means some drivers will continue paying higher rates even after a ticket has dropped from their driving record.

Don’t let this happen: shop around for updated quotes every year or so to make sure you’re not overpaying.

Eliminate a Ticket with Traffic School

If you are offered the opportunity to attend traffic school to dismiss a ticket, take it. Traffic school isn’t the most exciting way to spend your time, but a clean driving record could save you hundreds or even thousands of dollars over the course of a few years.

Also, if you feel that you have received a ticket in error, challenge it in traffic court.

Shop for the best auto insurance quote with InsWeb. Compare quotes and find out if you could be saving money today!