Speeding Tickets: How They Affect Your Insurance

Getting pulled over for speeding can be a frightening experience, especially if you are unsure of the consequences.

Not only does it mean paying hefty fines and worrying about points on your driving record, but it could also affect your insurance rates. If you have been hit with a speeding ticket, understanding how it affects your car insurance is essential. You should know what kind of coverage you need in order to protect yourself and stay within your budget.

In this blog post: Speeding Tickets: How They Affect Your Insurance, we will discuss the impact of speeding tickets on insurance premiums. Moreover, we will discuss the ways and options you have to save on your insurance. 

Let’s dive in!

Your Driving History Matters

When evaluating risk levels, most insurance companies consider driving history. When you have a clean driving record, you are unlikely to be classified as a high-risk driver because of one speeding ticket.

However, the amount you pay for insurance will likely be affected by previous speeding tickets and other driving violations, such as at-fault accidents.

Other violations that could increase your rate include the following:

• DUI (driving under the influence of alcohol)
• Distracted driving
• Driving while texting
• Driving while talking on the phone
• Seatbelt-less driving
• Failure to stop
• Failure to yield or making an improper turn
• Reckless driving
• Passing another driver illegally or improperly
• Overtaking another driver too closely

If I Get a Speeding Ticket, How Much Will My Car Insurance Increase?

Just as speeding ticket fines differ across states, the impact on your car insurance premium is tailored to your individual driving record.

Do Speeding Tickets Stay On My Record for a Long Time?

Again, depending on your state, these violations can linger on your driving record for a period of three to five years.

Insurance Companies That Offer Money-Saving Options

Now that you know the relevance of speeding tickets, how they affect your insurance will be up to you.

So if you want to save on your auto insurance, don’t fret; we’re here to give you options.

Safety Insurance is one of the insurance companies that grant discounts in Massachusetts. They offer competitive rates, including a discount of 10% if you buy another insurance product from them.

Here are the two money-saving offers that Safety Insurance provides:

1. Enhanced Coverage for Massachusetts Auto Insurance

Safety Shield

This endorsement enhances your Auto Insurance Policy with the following features:

• Disappearing Collision Deductible
• Rental Vehicle Loss of Income Coverage
• Guaranteed Replacement Cost
• Personal Effects
• Emergency Road Travel Expenses
• Supplemental Towing and Labor
• Airbag mechanical failure
• Extended Substitute Transportation (vehicle rental)

Safety Shield Plus

Safety Shield Plus includes the following coverage:

• Accident Forgiveness
• Expanded Personal Effects Coverage
• Pet Coverage
• Seat Belt Coverage
• Bail Bonds

Auto Loan/Lease Gap

Safety Insurance will pay any unpaid amount due on your lease or loan in case of a total covered loss to your automobile.

2. Massachusetts Auto Insurance Policy Discounts

• Rewards for Safe Driving
• Multi-Policy Discounts
• Student Discounts
• e-Customer Discount
• Loyalty Discounts

Looking for More Available Options? Go For NE Insure!

Hopefully, this blog: Speeding Tickets: How They Affect Your Insurance, gave you the information you need to start saving.

But if you’re looking for ways to save more money on your driver’s insurance policy, NE Insure offers a variety of money-saving options. 

Our insurance experts can provide you with a competitive quote tailored to your specific needs. By contacting NE Insurance, you can explore the various coverage options available and find the best policy that fits your budget. Contact NE Insurance today!