how much will my insurance go up for a traffic ticket in new york?
The relationship between car insurance and traffic tickets is simple. If you receive speeding tickets, run red lights, or fail to pay attention to other signs or signals on the road, you are statistically more likely to cause damage to people and/or property. therefore, you are more likely to experience car insurance increases.
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Often, our clients want to know how much they can expect in an insurance increase if they are convicted of a traffic violation. unfortunately, we can never give a specific answer. The amount of the increase and how long you pay the increased rates for depends on several factors, including:
your driving record
While a first offense can lead to increased insurance rates, multiple traffic violations are much more likely to have an adverse effect on the amount you pay for car insurance.
your history/relationship with the insurance company
If you have a long history of excellent driving with a particular insurance company, it may take a little longer to see a rate increase than it would for a driver with a similar driving history who is new to the insurance company. insurance company.
new york state insurance law
Insurance is regulated by states, and each state has different laws regarding auto insurance. Some states specifically prohibit insurance companies from raising rates under certain conditions, while other states will require insurance companies to impose surcharges under other conditions. In New York, for example, the law protects drivers with only one minor violation on their record during a given period of time, but it does not extend such protection to drivers with two minor violations or one more serious violation during the same period of time. time.
the type of traffic violation in question
Again, insurance companies are trying to determine which drivers are a safety concern and most likely to cause damage to people or property. There is an inherent difference, for example, between a speeding ticket and a traffic ticket issued for excessive use of a horn. That said, even minor traffic tickets can lead to increased insurance rates.
While there are many factors to consider and it’s hard for anyone to say exactly how much a traffic ticket will increase your car insurance, it’s safe to conclude that traffic tickets generally lead to higher car insurance rates and convictions. transit. violations should be avoided as much as possible.
what can you do to lower your car insurance?
When someone receives a traffic ticket in New York, one of the main concerns is a possible increase in car insurance rates. Customers ask all the time…”how can I keep my car insurance as low as possible?”
It’s hard to pinpoint exactly how much insurance increase a traffic ticket can cause. We’ll explore some ways to estimate how much your insurance will go up next.
Regardless of the increase in insurance that a traffic ticket may cause, there are a number of things you can do to help lower your existing insurance rates and keep them low in the future. Take a look below for some tips on keeping your insurance low.
Of all the steps you can take to keep your insurance low, nothing compares to shopping around. consumers who buy get better value for their insurance dollar than those who don’t. It’s the most proven and successful strategy when it comes to keeping car insurance low.
Why get insurance quotes from the competition?
The auto insurance industry is a competitive industry in general.
according to the new york state insurance department’s 2007 auto insurance consumer guide:
“there is active competition among auto insurers in new york state…rates can vary considerably between insurers…so it’s always a good idea to get quotes from multiple insurers.
Today, it’s more competitive than ever. Current economic conditions and credit problems have taken thousands of cars off the road and caused the cancellation of thousands of policies covering these cars.
Whether you have a great driving record or a poor record, a quick check could show you can lower your current rates.
If you have pending traffic tickets (issued but not yet gone to trial), now is definitely the time to check. In addition to the competitive rates on offer, right now may be your best (and last) chance to take advantage of your history as it is today.
No matter what your situation is, you may be surprised to learn that auto insurance premiums for the exact same coverage on the same car can vary widely (by the hundreds of dollars) between different insurers.
how to get competitive quotes
There are many websites that allow people to compare insurance quotes from some of the most popular insurance companies at the same time. it only takes a few minutes and it doesn’t hurt to see if there are cheaper rates available from several of the major carriers. while the sites may differ, you should probably have your current registration on hand to help answer some of the questions about your vehicle and have your current auto insurance policy on hand to help answer questions about the type and amount of coverage that you currently have.
tips to keep insurance costs down
There are steps you can take in New York to help lower your auto insurance costs. most, but not all, will apply to you.
check and research your insurance options
Rates can vary considerably between insurers. take advantage of a comparison website that allows you to get quotes from multiple insurers at once.
avoid traffic tickets
The best way to avoid car insurance increases due to traffic tickets is to avoid getting a traffic ticket. drive carefully and follow traffic rules. If you’re pulled over, read attorney Scott Feifer’s article that offers some basic tips on what can help you avoid getting a ticket if you’re pulled over by a police officer.
If you get a traffic ticket, fight it. you are “not guilty” until proven otherwise. There is still nothing on your driving record and your insurance company has no idea that you received the traffic ticket. Do your research and consult with a traffic ticket attorney early in the process to increase your chances of avoiding a conviction.
attend traffic school
new york refers to it as the accident prevention course. removes four points from your driving record and is “good” on your record to help offset “bad” (convictions) in the eyes of auto insurers.
Find your auto insurance options
Make sure you pay as little as possible for your car insurance. paying less can be as simple as doing a little research and switching to a new provider. If you want to get quick quotes from other providers, please prepare your vehicle registration and existing policy and click here (to our affiliate site)
raise your deductible
For many people, increasing their auto insurance deductible is a good way to lower the overall cost of the policy. perhaps a simple increase from $250 to $500 can lower your annual premium by 10 percent or more. just make sure you can handle the larger deductible in case the time comes.
limit the scope of your coverage
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new york requires you to have liability coverage, but other non-mandatory coverage may be expendable. be careful, however, of leaving yourself without enough insurance. Just because a type of coverage is optional doesn’t mean it’s not recommended. There is no requirement for anyone to have life insurance, but it’s still a good idea…
Watch your credit report
good credit is potentially important. keep your credit in order and you’ll likely enjoy lower auto insurance rates.
buy a low profile car
It’s about risk. In general, sports cars and other flashy high-performance vehicles are classified as higher risk because they are common targets for thieves and because, statistically, people who own them tend to drive more aggressively. Ferrari owners will likely pay a higher premium than owners of a Volvo truck or other low-risk vehicle.
keep your car in a garage
Cars parked in garages are less likely to be stolen, vandalized, or hit by other vehicles. Using a garage to store your car may qualify you for a slight reduction in premium.
install security and anti-theft devices
You may receive insurance discounts if your car is equipped with one or more of the following: anti-lock brakes, automatic seat belts, and air bags. Similarly, anti-theft devices such as car alarms and tracking systems (for example, lojack) can also give you a discount because they reduce the chances of your car being stolen or vandalized.
inquiry about multi-family/multi-policy discounts
You may receive a discount from your insurance company if you purchase more than one type of insurance through the same company (for example, auto and home). A discount may also apply to your auto insurance if you insure multiple cars under the same policy or with the same company.
use automatic debit
This is when you authorize the insurance company to withdraw your payment from your checking account at the same time each month. this can save a little money each month.
Lower insurance coverage on your old car
As your car ages, it’s worth much less than when it was new. Look up the Kelley blue book value of your car. That’s the maximum amount your insurance company will pay if the car is “totaled.” You should review your policy’s comprehensive and collision coverages each year as your car ages and decide if it makes sense to continue paying for that coverage.
supervise other drivers on your policy
Do not include other drivers on your car insurance unless necessary, especially younger drivers or those with poor driving records, as they will only increase your rates. conversely, if you’re a young driver, having an adult under insurance can help lower your rates.
Don’t pay that traffic ticket without consulting an experienced attorney!
If you have received a traffic ticket in New York, you have the option of fighting it with the help of a New York traffic ticket attorney. call feifer & greenberg, llp today at (888) 842-5384 for a free consultation to learn about your options.