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Slow Down, Save Money...and Lives (Summer 2014) << Back
 
How many times has the following happened to you? You’re speeding down the freeway when you spot a California highway patrol car. You quickly hit the brakes and slow down, relieved that you didn’t get caught … this time.
 
Now take a minute to think what could have happened if you hadn’t been so lucky.
 
First, your speeding could have hurt somebody — or yourself. According to the Insurance Institute for Highway Safety, speed is a contributing factor in more than 30% of fatal crashes and nearly 20% of non-injury accidents. That’s a big risk to take.
 
Second, getting a ticket could put a big hit on your wallet. Of course, that’s not nearly as important as the health and safety impacts of speeding, but in this economic climate, more and more people are watching every dime. And who wants to write a check to the state for speeding?
 
At AHTKY, we want you to be safe. We also want to make sure you get a great price for the insurance coverage you need. Thankfully, easing up on that lead foot can help accomplish both.
 
How a ticket impacts your insurance
 
If you get a speeding ticket, a conviction will stay on your driving record for three years.  And because your driving history plays a large part in determining how much you’ll pay for insurance, the fewer tickets you have, the better.
 
Different carriers have different policies when it comes to checking your driving record and dealing with drivers who have violations. If you receive a ticket, you will see an increase in your auto premiums, unless you keep the violation off your record by completing traffic school and avoiding further tickets.
 
But a second ticket (or third, or fourth …) can bring some serious financial penalties. While there are too many variables to say specifically how much each additional violation will increase your premium, it’s safe to say that the jump will be significant. And unfortunately, you can be stuck paying those higher premiums for many years.
 
Significant violations can have a bigger impact as well. If you’re going 20 miles per hour over the limit, you’ll likely pay more than someone with a ticket for 5 mph over. Insurance companies know that speeding increases the risk of accidents, and they’ll view you as an increased risk — for good reason. In fact, if you have a serious violation, or too many tickets, your insurance carrier could drop your coverage altogether.
   
   
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AHTKY Insurance Agency, LLC
1451 W. Artesia Blvd, Suite A, Gardena, California 90248
CA License: 0C46036