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Do Car Insurance Rates Go up for First Speeding Ticket?

Written by Michele Wilmonen. Posted in Ask An Insurance Question, Research Last Updated: 09/16/2011

Your first speeding ticket can increase your car insurance rates depending on two important factors.

Yes, your insurance could very well go up after your first speeding ticket. Whether or not it does depends on a number of different factors though.

First, it all depends on your insurance company. Some companies forgive the first speeding ticket that you receive, others don’t. The only way you will know is if you ask your insurance company or if you wait for your insurance company to find the speeding ticket on your driving record.

Second, the type of speeding ticket that you receive will also determine if it is counted. Did you drive 38 mph in a 35 mph zone? If this is the case, your insurance company may be more forgiving than if you were doing 60 mph in a 35 mph zone.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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