How Your Speeding Ticket Can Affect Your Car Insurance Coverage

Have you ever woken in the morning long past the time you were supposed to? It’s happened to all of us, for sure. Now the clock is ticking, you’re starting to panic, and there’s a chance you’ll be late for work or appointment if you don’t drive as fast as you can. But what if you get a speeding ticket? Will it affect your insurance rates? Read on below to learn from our McAllen insurance agency what can happen to your auto coverage if you get ticketed.

If You’re Wondering, Yes it Can

There’s a chance that your insurance rates will see an increase as a result of speeding tickets. If you seek out an insurance company to provide coverage for your vehicle, it’s going to look at your driving history. If it sees that your record is marred with speeding infractions, it might label you as a high-risk driver. This, in turn, will affect your monthly rate.

The Speeding Factors at Play

As you can imagine, the more speeding tickets on your record, the more likely you’ll see an increase in your insurance costs. Yet, there are other factors at play when it comes to speeding tickets and your insurance payments:

  • Your driving record – As we mentioned before, insurance companies will look at your driving record to evaluate your coverage costs based on the number of speeding tickets you’ve received in the past, if any.
  • Recent violations – Your insurer may take the time since your last infraction into consideration. As this time lengthens, your costs can drop.
  • Your speeding amount – There’s a big difference between getting a ticket for going 10 MPH over and 50 MPH over a speed limit, which is something your company will surely evaluate.
  • The location of the infraction – Speeding in construction or school zones carry very high fines and higher costs from your insurer.

Find Insurance in McAllen

Finding car insurance is tough, but it doesn’t have to be. Our McAllen insurance agents at Shepard Walton King are here to help you through the entire process. Contact us today for more information about what we can do for you.

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