The price of traffic tickets
We all know that getting a ticket can be a nuisance. Of course you have the inconvenience of getting pulled over. The police officer will then give you a ticket from something he was probably doing 5 minutes before he saw you. Yes, we have all seem police officers speeding, talking on their cell phones, running red lights. The truth is, while on duty, the law in most states exempts law enforcement from the same rules of the road that we must follow. Therefore, you must ignore what the police officer is doing and focus on your own driving.
The consequences of a traffic ticket are much great than the initial fine that we must pay. The impact on your car insurance can be hefty as well. Even if the violation does not put points on your license, your insurance rates may see an increase that lasts for years. Allow me to explain. Most insurance companies are set up into tiers. If you are considered to be an excellent risk, you will be placed in Tier 1. Drivers in the first tier will receive the least expensive insurance rates. Drivers who are almost as excellent as the first tier driver with the exception of a minor violation may be placed in Tier 2. Drivers in tier 2 will have more expensive rates than drivers in tier 1. So if you receive a minor violation, although the insurance company may not be able to charge you surcharge points, they can place you into a more expensive tier. Once you have dropped in tiers, it may be years before you insurance carrier promotes you back up. But taking a NY defensive driving online course could help you cut the price on your premiums.
I mentioned surcharge points above. There are certain violation that can place surcharge points on your insurance. For now I will use New York State as an example. In New York, if you are convicted of driving 16 miles per hour above the posted speed limit, your insurance company can add surcharge points to your insurance. I have personally seen car insurance premium increase by as much as $600 a year for a single speeding ticket. These points can stay on your policy for up to 3 years. There are instance where you might receive a double whammy. Your insurance company may apply the surcharge points and move you into a more expensive tier.
Don’t worry. It’s not all doom and gloom. The chances of your insurance company finding out about your traffic violation are slim. Although they want you to believe that they check your license every 6 months, the truth is the only run your reports when necessary. It would be far too costly for a company to pay for the running of all their insured every 6 months. If you are in the assigned risk pool, your insurance company will most likely run your license every year but if you are not in that pool. Chances are you are pretty safe. If they do find out about your violation, remember that in many state all you need to do is take a defensive driving course to receive a discount on your insurance.