How receiving a speeding ticket in another state can impact your car insurance premium.
When you’re visiting an area and aren’t entirely familiar with the roads, you may make some mistakes. Sometimes it’s merging into the wrong lane. Sometimes it’s going over the signposted speed limit without realizing. Getting a ticket while out of state can post more questions and hassle than a traffic ticket received in your home state. You may find, however, that your out-of-state ticket affects your auto insurance rate.
Your car insurance company will run your driving record to determine your car insurance rates. Some car insurance companies run your driving record every time you renew your policy. This means that a ticket that you get in or out of state may not affect your rates right away. For out-of-state tickets, how much they affect your rate will depend on how they are reported on your in-state driving record. Most states notify each other of traffic violations when they occur. However, not all states participate.
If you do get a speeding ticket while driving out of your home state, be sure to pay it promptly so that it doesn’t appear as an unpaid ticket. If it’s not paid, you may need to appear in court, which will mean additional travel costs. Find out if you can take a driver training course to reduce the cost of the ticket or demerit points.
Knowing what situations can increase your auto insurance rates can help you to keep your premiums low and affordable. For the quality car insurance that will protect you and your vehicle, contact the team at Gee-Schussler Insurance Agency. We serve Orland Park and surrounding cities in Illinois.
