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Here’s How Much That Speeding Ticket Will Raise Your Insurance Rates from Credit.com
27 July 2015

Here’s How Much That Speeding Ticket Will Raise Your Insurance Rates from Credit.com

Misbehaving is perhaps one of life’s earliest pleasures: As soon as we learn “no,” we learn also to test whether or not we can get away with whichever mess tempts our wee hearts most at any given moment. The truth is, there are driving laws that all of us regularly disobey — the National Highway Traffic Safety Administration found that as many as 39% of drivers “enjoy the feeling of speed.” If forced to testify in a court of law, could you say with a clean conscience that you’d never purposefully done something a bit risky behind the wheel?

It turns out that some deviant behaviors can not only be dangerous, but incredibly costly — in terms of the ticket fee and its lingering impact on your car insurance rate. That’s right — your car insurance company takes your personal driving record into account more than any other single rating factor. (In most states, your credit score can also be a factor.)

4 Bad Behaviors That Will Cost You

First, a note on our methods: Using ZIP codes from all 50 states, we ran a mock profile to get an average base car insurance premium. Our sample driver was a single 35-year-old male homeowner with good credit and no accidents for the past five years. Then, we got him into some hypothetical trouble…

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