Will my pending speeding ticket increase the rate of my insurance policy?

If I haven't gone to court for my speeding ticket yet, will this ticket impact my policy? I have a court date for my ticket next month, but my policy renews in a week. I plan on fighting this ticket because I know I was not going ten miles over the speed limit—I was maybe three miles over tops! What happens if I win my case but the insurance company charges me for the ticket?

Answer
“Your insurance company may know about the impending ticket, but they won’t charge you for it just yet. The speeding surcharge will get added to your policy on the renewal after the conviction date, not before.
If you think the speeding ticket is invalid, it is always good to fight it! A speeding ticket can increase your rate up to 25%. If there is a chance the court will waive it, it is a chance worth taking.
If you win at court, make sure to get a copy of the judgment and an updated MVR (motor vehicle report) to forward to your insurance company.
If you don’t win and then see an increase to your policy, see if you are eligible for the following discounts:
  • Defensive driver discount
  • Alumni and professional affiliations
  • Low mileage discount
  • Telematics discount
  • Multi-line discount
If the cost of your policy is still out of reach, it is time to shop for a cheaper insurance policy. The best way to re-shop a policy is by comparing multiple insurance companies simultaneously.
Try using the smart comparison Jerry app. Jerry will collect auto and home quotes from over 50 companies and deliver the lowest available rates right to the app on your phone. And the best part–it’s free to use.”
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Shannon Martin
Answered on Aug 27, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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