Speeding Tickets and Your Car Insurance

Insurance companies determine the premiums you will have to pay by considering a variety of factors, including your driving record. When you receive a ticket for a traffic violation, it will likely have an effect on the cost of your auto insurance. One of the most common traffic tickets that drivers receive are for driving above the posted speed limit.

If your insurance rates have recently been raised, or your policy has been dropped due to a traffic violation, Insure on the Spot can help you find affordable coverage. To get started, just call our Chicago auto insurance agents at 773-202-5060.

What to Do after Getting a Ticket

A speeding ticket can carry several consequences, including fines, points on your driver’s license, and increased insurance premiums. Fortunately, there are steps you can take to protect yourself. Some options to consider after receiving a speeding ticket include:

• Simply pay the fine. This can be the easiest way to handle the issue – all you need to do is mail a check or stop by a clerk’s office to pay your fine. However, by doing so, you are essentially submitting a guilty plea. It is worthwhile to stop and consider your options before admitting guilt for a traffic offense.
• Contest the ticket. If the officer who wrote your ticket committed some kind of legal or paperwork-related error, you may be able to get the ticket dismissed on the grounds of inadequate evidence. However, this will require appearing in court and will not always be successful.
• Take a driver’s safety class. If your record is otherwise clean, the judge may give you the option of taking a defensive driving class. This will not entirely remove the ticket from your record, but you may be able to get your fine waived, and your insurance premiums may not increase.

Of course, the best way to avoid the expense and hassle of a speeding ticket is to avoid speeding. By practicing safe and legal driving, you greatly reduce your risk of legal problems and dangerous accidents.

Contact a Chicagoland Car Insurance Agent

Finding an affordable motor vehicle insurance policy can be challenging, especially if you have any traffic violations on your record. To discuss your options with a Chicago auto insurance agent, contact Insure on the Spot at 773-202-5060.