What kind of impact do speeding tickets make on your insurance? To answer this question you must first look at the number of factors that create the overall cost of insurance.  This would include your driving record as well as driving history.  According to recent studies, speeding is the most relevant factor in nearly 35% of all auto accidents.  Obviously speeding is a contributor to risk, and insurance companies don’t like risk.  It has also been studied that a majority of people that receive speeding citations reduce their speed after getting a ticket. This is not a permanent change, and usually only lasts a couple of months.  Safe driving habits cannot be forced on someone and cause lasting results.

Habitual speeders have over a 50% chance of being fatally injured in a car accident than someone who maintains traffic laws.  This is the main reason why there are such big consequences on insurance for speeders.  Depending on your driving record a single speeding ticket can increase your rates by up to 27%.  This will start to hurt your pocket book over time.  Also, when you receive a speeding citation, one point is added to your record.  If you accumulate too many points in a three year period there can be huge increases in your insurance premiums (thousands of dollars).

One thing to note is that if you have gotten a lot of tickets in a short amount of time and hiked your insurance rates up, switching to a new insurance provider will not help.  Any new insurance carrier will likely be harder on you than your current insurance company if you have a risky driving record.  You’re better off to stay with your current provider and work things out.

No matter what the case, it is always smart to try and fight speeding tickets insurance.  It can save you a lot of money in the long run.  There is a good chance you can either win the case or get the charges reduced.  Just remember to be polished and respectful.  Don’t admit that your guilty and look for any situational weather or traffic conditions that might be in your favor.

The best way to keep your insurance premiums low is to not get any tickets in the first place.  Be a smart driver and your insurance company will reward you.  Be aware of traffic laws and don’t do anything to make you stand out to police officers (i.e. aggressive driving, swerving in and out of lanes, or staying in the fast lane).