Auto Insurance Companies and Traffic Violations

Will My Auto Insurance Company Find Out if I Get a Traffic Violation?

We have all had that pit in our stomach feeling when we see cop lights flare up in our rear view mirror!  Or when you know your speeding and pass a cop praying those lights won’t be following ensuite.

However, in California where let’s be honest; We all speed! It happens.  That daunting day of a police officer writing you the ticket you so hope to have avoided happens to the best of us.

The good news is you can sign up at Cheap and Speedy Traffic School to minimize the negative outcome of that speeding ticket.   

Now you’re wondering about you Auto Insurance.

In most cases, yes, traffic tickets may increase your premiums and the amount you pay for car insurance. A speeding ticket is a moving violation which is a specific type of traffic ticket and will be a part of your driving record. 

When you receive a traffic violation ticket, and it results in a demerit in points on your record, your insurance company can review this on your driving record.  Therefore, your insurance company can use this information when determining the risk, they are assuming with you as a driver.

If you regularly speed, receive traffic tickets or drive unsafely, you are a higher risk in an insurers eye to create a motor vehicle accident which ultimately will affect your insurance cost!

Is My Driving Record Permanent?

Your entire driving history is kept on record, but demerit points may be removed by attending traffic school or waiting the period for points to fall off. This driving record shows all violations and traffic tickets, not just speeding violations. Whether you want them to or not, your tickets and violations will always appear on your record once they are issued. 

When will my insurance increase?

Once you receive a traffic ticket, your premium will increase, but not necessarily immediately. The premium will not increase during the middle of an insurance, but you can expect to see an increase at your renewal time. If offenses are common to you and this is not your first offense, some insurance companies may deny coverage entirely.