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I've heard many people worry about their insurance rates going up because of a speeding ticket.. But in 15 years of having a license, my rates have NEVER gone up for any sort of traffic violation, including multiple speeding tickets, and a reckless driving ticket that resulted in the loss of my license for 4 months.

So, here's a semi-poll. If YOU (not someone you know, or someone you heard it happened to, or someone whose cousin's dog's littermate had it happen to them) have ever had your insurance rates go up because of a traffic violation that did not result in an insurance claim (e.g. an accident), post a comment here.

This does not include rates going up because of changing insurance companies (unless your insurance company dropped you 'cause of the ticket), or buying a new car, or etc.

Comments

( 8 comments — Leave a comment )
captpackrat
Apr. 4th, 2005 05:22 pm (UTC)
I've only ever gotten 1 ticket (which was an insanely unfair and stupid ticket, I got nabbed for making a right turn at 8:45 the day after Daylight Savings Time ended, when the sign said No Right Turn 6-9 AM), but I did the traffic school thing so it didn't go on my driving record (When I explained to the class why I was in traffic school, everyone just looked at me funny.)

I have made 2 claims against my policy, both for vandalism to my old 93 Caprice, and they never raised my rates for that, even though what they paid on it wound up being more than I was paying in premiums.
icecor
Apr. 4th, 2005 06:03 pm (UTC)
Ooh. I've definitely hadda increase in rates. Man. But, then again, I've had more tickets written for me than I have fingers and toes. ;.;
aldebron
Apr. 4th, 2005 06:10 pm (UTC)
insurance hates me.

in all my years of driving, i have gotten 1 speeding ticket, doing 64 in a 55 on the interstate at 330am. it was bogus. but my rates went up because of it.

but the biggest rate hikes i had were not really my fault.

one was when my mate got hit in my car, and the cop faulted him with the wreck, so it went on my insurance. my 6 month polocy went from 1,230, to 3,465. needless to say, i swiched. but the most resonable rate i was able to find afterwards was about 2,900 every 6 months. so i paid that for the 3 years, and just before that dropped off. my truck thing happened. thats a whole nother story by its self. but i had a bunch of medical claims on there. so my insurance is running around 3,300 every 6 months. which should drop off the next time i renew, cause its 3 years this april.

so *crosses fingers* i should have near reasonable insurance soon, im hoping around 2k every 6 months.

something that effects my rates a bit, i have a bit more than the minum coverage rates., i use 500 deductables. and most of the time i have multiple cars on my insurance. (allthough by playing "daily driver shuffle" i can get my rates down a bit)
so yes, i pay more in car insurance than my car loans. its pretty sad. but the state requires it.

i think im in the wrong buisness
captpackrat
Apr. 4th, 2005 06:34 pm (UTC)
Holy crap! Those rates are simply incredible to me.

The most I've ever paid for my insurance was $1200 a year, when I first started driving, for near maximum coverage with a $100 deductible. This year was about $800 for the entire year.
wolffit
Apr. 4th, 2005 07:26 pm (UTC)
Heh.

When I moved to michigan, since michigan has no-fault insurance (aka: terribly high rates) my rates went up from $1200 / 6 to $7890 / year. No that isn't a typo. This was with a clean driving record, no tickets, no accidents, and I was 26 at the time. This was on a 2001 Audi S4 Avant wagon and I'd been with the carrier- Allstate, for almost 6 years.

I switched to Progressive, one of the few decent carriers that would insure an Audi in michigan. That dropped the rate down to $1500 or so every 6 months.

Here in virginia, the new S4 would have been $946/6 months, with $100 deductables and very high coverage on a car that cost 25% more.

Moral of the story: Some areas charge a fuck of a lot more than others. Don't live in michigan.
- Keman
wolffit
Apr. 4th, 2005 06:46 pm (UTC)
yow. I'm paying like $1200 every 6 months for 3 cars and 2 drivers... And that's with high limits and low deductibles (100 comprehensive, 250 collision)
alaskanwolf
Apr. 4th, 2005 06:46 pm (UTC)
Rates go up if your current carrier checks your record periodically, or you move to a different company. Moving to a new company, they will always check your record.
harlkyn
Apr. 4th, 2005 10:03 pm (UTC)
I got two speeding tickets last year and my rates haven't changed yet.

2002 Toyota Tacoma 4x2 2D at twice the state minimum limits and $500 deductible. $1150 per year
( 8 comments — Leave a comment )

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Galen Wolffit

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