Candace Baker, Car Insurance Writer
@candacebaker
Travelers car insurance premiums go up by an average of 54% after a speeding ticket, unless the driver has violation forgiveness. Travelers' violation forgiveness feature can be applied to one minor violation every 36 months , which prevents rates from going up after a single speeding ticket. In order to receive Travelers violation forgiveness, a driver must purchase a Responsible Driver Plan, which is offered to customers with good driving records.
For drivers without violation forgiveness, the exact amount their Travelers rate will go up after a speeding ticket depends on a few factors, including their state, how fast they were going, and their previous driving history. For example, a speeding ticket will cause your Travelers rate to go up by 87% in Michigan, compared to only 2% in Delware. And if you've received other tickets within the past few years, you'll face higher penalties than first-time offenders because Travelers may consider you a high-risk driver.
The good news is that a speeding ticket will only affect your Travelers insurance for 3-5 years, depending on your state. In the meantime, there are steps that you can take to lower your rate. For example, you may be able to take a defensive driving class to remove the ticket from your record. You can also reduce your coverage or check out Travelers' discounts to see what you can qualify for.
People also ask
Do speeding tickets affect insurance?
Yes, speeding tickets affect insurance rates in most cases. One speeding ticket raises car insurance premiums by about 25%, on average, although the exact amount depends on several factors, including the driver’s record and how fast they were going. Speeding tickets resulting from a traffic camera, on the other hand, generally do not affect insurance, as most states classify them as non-moving violations similar to a parking ticket.
It is possible to avoid a...
read full answerHow long does a speeding ticket stay on your record?
A speeding ticket will stay on your record for five years or less in most states. Some states require a speeding ticket to stay on your driving record for longer, but most insurance companies will still only take the last 3-5 years into consideration when calculating your premium.
For example, a speeding ticket in Hawaii will stick with you for 10 years, and in Montana it will be on your record forever....
read full answerHow do insurance companies find out about tickets?
Insurance companies find out about tickets by checking a driver’s record. Prior to renewing an existing policy or selling a new one, insurers will check a driver’s Motor Vehicle Report (MVR), which is a report of their driving history from their state’s DMV. Any traffic violation will show up on an MVR, so an insurance company is certain to find out about it once it’s on the record.
If you can prevent a ticket...
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