if u get a ticket, when does your insurance go up? - Ford Mustang Forum
 
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post #1 of 5 (permalink) Old 12-17-2013
LercinStang
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if u get a ticket, when does your insurance go up?

Im 24 and haven't had a ticket yet but last week was a close call cuz i was showin off and spun my tires for a few seconds at a red light and then a cop pulled me over, but luckily he didn't give me a ticket.

but it was scary cuz my insurance is expensive as it is cuz i gotta have full coverage since im financing, so scary to think what if i got a ticket and would have to sell the car!?

if i got a ticket, would the insurance company know right away and then raise my rates?? or how does it work?

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post #2 of 5 (permalink) Old 12-17-2013
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I can't speak to all companies in every state, but it seems that they run your driving record just prior to sending you your renewal notice and that's when it will go up...
At least that's the way it was in my younger days when I was collecting speeding tickets for a collage on my wall.......



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post #3 of 5 (permalink) Old 12-18-2013
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Like Slorydn1 said, it is at renewal. But some insurance companies let you slide on the first ticket unless it is something very serious like a DUI or reckless driving. That is what my insurance company's policy is.

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post #4 of 5 (permalink) Old 12-18-2013
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Quote:
Originally Posted by LercinStang View Post
Im 24 and haven't had a ticket yet but last week was a close call cuz i was showin off and spun my tires for a few seconds at a red light and then a cop pulled me over, but luckily he didn't give me a ticket.

but it was scary cuz my insurance is expensive as it is cuz i gotta have full coverage since im financing, so scary to think what if i got a ticket and would have to sell the car!?

if i got a ticket, would the insurance company know right away and then raise my rates?? or how does it work?
Depends mostly upon the insurance co. some will overlook the first one just like it does for an accident first time up. Most others I have been with and have heard talk about increases the rate upon the next renewal period. 10% for every ticket above what u r paying now.

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Last edited by slorydn1; 12-18-2013 at 04:39 PM. Reason: Edited to remove the caps from the post
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post #5 of 5 (permalink) Old 12-18-2013
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In Canada. Your insurance goes up right away upon renewal with one ticket.
I know this from experience. I had one ticket for speeding on my record when ?I switched insurance companies and they picked up on it instantly ( insurance records)
That ticket cost me about 450.00 over a three year period, which is what the insurance companies up here go by.
And by the was a low mph ( km's up here ) ticket. The issuing Police officer said it wouldn't affect my insurance. WRONG !

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