Speeding Tickets and Car Insurance: Cause & Effect

Do you know the correlation between speeding tickets and car insurance? Now you will!

The temptation to speed is strong in our modern society. When we’re always running around, driving 5 or 10 mph over the speed limit can seem like simply a smart way to maximize your time. That is, until you see flashing lights in your rearview mirror. When you do, you’ll probably be wondering about the connection between speeding tickets and car insurance in Frisco, TX.

The fact is that getting a speeding ticket is going to cost you, quite literally. For starters, you’ll have to pay the fees associated with that traffic violation (obviously). But the cost of your excess speed doesn’t stop there.

You’ll also end up paying more for your car insurance, both immediately and long-term. When you get a speeding ticket, your insurer puts you into a higher-risk category. It makes sense, since speeding increases your likelihood of an accident. Riskier drivers are riskier for insurers to cover, so they pass that risk along to you – in the form of higher auto insurance premiums.

On top of a premium increase, your ticket could keep your costs higher over time. One ticket shouldn’t be a big deal in the long term, but make sure you don’t get a second! Repeated violations would disqualify you from the cost reduction most people get as they become more experienced drivers.

Now that you know the relationship between speeding tickets and car insurance you might have some questions about your unique situation. Whether you’re ticket-free or just got pulled over, we can help you get the right coverage. Contact Mike Leonard Insurance Agency so we can search through our carriers Kemper, MetLife, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance to find you the best coverage.