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Speeding Tickets and Auto Insurance

Speeding tickets and auto insurance are directly linked. As many people are well aware, getting too many speeding tickets can have serious effects on the price you pay for insurance. And by contrast, avoiding tickets will likely lead to much lower insurance rates for drivers. Times are tough all around the country these days. The economy is still working to recover from an extended recession, and many people are still out of work. Even those of us who are lucky enough to hold down a job are struggling to make ends meet these days. This is hardly the best time to go out and get a ticket for driving over the speed limit. These infractions result in a monetary fine and points on your record, which in itself leads to higher insurance rates. So for one traffic stop you get to pay twice, meaning speeding is definitely not worth the potential cost.

Any time someone receives a speeding ticket, their insurance company has the option of raising their rates as a result, which could mean you are paying too much for car insurance. Having this type of event on your driving record can cause the insurer to adjust their risk classification of you as a driver, preventing you from getting the cheapest online car insurance. If you demonstrate a pattern of driving behavior like this, you might also be a bigger risk for auto accidents and other claims. Here are some simple things to keep in mind about speeding that might make you think twice about it the next time you get into the car.

Speeding as a Driving Behavior

Speeding is a learned driving behavior. You might have picked it up when you were a teenager, or maybe the lead foot didn't appear until you experienced the joys of rush hour traffic heading to and from work every day. Thousands of people in the U.S. receive speeding tickets every day. Most tickets range in cost from under a hundred to a few hundred dollars, though there are exceptions. And this is just the beginning. The long term cost is usually several times more than the price of the ticket once increased car insurance rates are figured in for the next three to five years until the ticket comes of the driver's record. Millions of tickets are handed out year after year to drivers all across the country. And virtually all of them could have been avoided.

Contesting a Speeding Ticket

Some of the fines attached to these traffic citations are pretty large. It can sometimes pay to show up in court to fight the ticket. Some statistics point to surprisingly high rates of police officers who never show up for the scheduled court date. Most of them presumably have more important things to do than to bicker over a hundred dollar ticket. What this means for drivers is that there is a chance of getting the citation thrown out or the points taken off at the very least. However, no one who gets pulled over should ever expect to win an appeal. It is not a plan to base driving behavior upon. A better plan is to avoid getting pulled over in the first place.

How to Avoid Speeding Tickets

There are some effective ways drivers can work to not call as much attention to them and thus minimize the chance of being pulled over and ticketed:

  • Avoid driving flashy sports cars if you don't want the attention of the local police. Right or wrong, these cars are like a desperate plea to get pulled over.
  • Keep up with the maintenance of your vehicle. Do not wait to repair broken or burned out headlights and taillights. Make sure to take care of exhaust leaks and other obvious problems that could drive cops to single you out as a driver. When police officers see cars out on the road that look or sound like this, it gives them a reason to pull them over for anything they feel like. You could go five over the speed limit and get a ticket because of that busted taillight.
  • Always wear your seat belt. Never drive anywhere without it. Again, failing to do this is tantamount to begging to get pulled over.
  • Use common sense on the road. Don't pass police cars, and always get out of their way when they need to pass you. And don't fail to show other motorists courtesy as well. You never know when a police care might be just on the other side of that big rig to your right or the lady driving slow in the fast lane.
  • Above all else, to avoid getting pulled over obey all the rules of the road including driving below posted speed limits. Prevent speeding tickets and you can save money on your auto insurance as your driving record improves.

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