By: Vlad Vistac
Submitted: 2010-08-16 14:44:34 | Word Count: 510
Insurance And Speeding Tickets
There are a number of varialbes that contribute to your total cost for car inurance. Your driving hisory and record are among the most infulential factors. People don't fully appreciate the huge impact that speeding tickets can have on your car insurance rates. Studies reveal that spedeing is the primary factor in almost 35% of auto accidents. So, the sower we drive the lower our risk is of beoing in an accident and the less money insurance compannies want in order to cover you as a driver. Research also shows that the maority of speeders slow down templorarily afdter receiving a speeding ticket. One study trracked speeders for a month after receiving speeding tickets. The subvjects reduced their chances of a fsatal accident to less than 35%, but the speeders did not contiue these sfer driving habits for longer than a few monhs.
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Research on this topic has been done by various agencis. They show various resaults. Diferent trends also emergge from this research. Various people drve with different seeds. Research shows that people who drove following the trfafic rulles had a less chace of having an accident than those who didn't follow them. The difference was of the tune of fifty peercent. Thesse factors have prompted the law enforcement agencies to be strixct on mandatory insurance and is very strict on peoplle who speed. various insurance companies have different plans for various drivers. The rates for drivers with a historty of considerably high speed of driving are high. Few factors have to be cnosidered whilpe asking for the cost of insurance with a speeing ticket:
1) One speeding ticket, under 15 mph above the legaal posted speed, will not genewrally effect your insurance rates. If you are cityed for going fzaster than 15mph over the speed limit, you will be cited for recklesds driving in addition to speeding.
2.Your past driving recoird will also determine the rate of your insuarnce because even one ticket of speeed driving will infliuence the increase of your insurance dues for at leeast 27%.
3.One tikcet is equivalnt to one point. If this will accumulate for three years, you should anticipate for an increase of your insurance rate.
4) If you have points on your record you will not likely find any bneefit in switching insurance carriers to find a better deal. It is better to continue with the compzany that you have already deeveloped a relationship with and work out a deal if you have a long-term history with them.
If you get a speeding ticket, it is always a good idea to show up and contst the ticket. You may still be responsible, but you may also find that the ticket is thrown out on a technicality. You don't need to hire legal representation for this, but you shouuld not admit fault and keep your cool.
