New York State drivers often wonder if a conviction for a New York speeding ticket will affect their insurance rates. The answer is that strong possibility exists that a New York traffic ticket will affect your insurance rates. The best tactic for saving money if your get a traffic ticket is to hire a competent and experienced traffic defense attorney to fight on your behalf to have the severity of the violation reduced, thereby preventing your vehicle insurance rates from soaring.
Under the New York state Insurance Law New York insurance companies may raise a motorist’s insurance rates for the following reasons related to traffic tickets.
- driving sixteen (16) miles per hour (or more) over the limit
- speeding and/or reckless driving on 3 or more occasions
- speeding or reckless driving where injury or death results
- driving while intoxicated or impaired (alcohol or drugs)
- convicted of leaving the scene of an accident without reporting it
- convicted or 2 or more moving violations
If you received a traffic ticket in New York your insurance rates may increase. As to how much your rates will rise, it depends, among other things, on the seriousness of the violation and your driving record.
What Insurance Rates Have To Do With Traffic Tickets
The reason your insurance carriers raise rates is because studies, including the one conducted by the National Highway Traffic Safety Administration, found that drivers who were ticketed are more likely to be involved in an accident compared to drivers who have not been ticketed. Your carrier will examine your driving record at the end of the year when your contract is renewed, and may raise your rates to offset their risk.
Fortunately, the increase in your rate only lasts for 3 years after the traffic ticket, at which point your rates will return to normal; however, by that point you will likely be out hundreds or thousands of dollars.
You Could Lose Your Insurance Coverage Altogether
Although even getting one speeding ticket may impact your rates, receiving several speeding or traffic tickets in a span of one or two years may cause your rates to soar. Even if you rates return to normal after 3 years, drivers who have several tickets and a few traffic accidents on their record could be considered too high of a risk and have their plan canceled by the insurance company.
To get an idea how various traffic violations can impact insurance rates, insurance.com analyzed 490,000 insurance quotes given to drivers from 14 insurance carriers. The analysis compared quotes given to drivers for 14 of the most common traffic infractions violated with quotes given to drivers with no violations.
The following list shows how various tickets may increase your rates:
1. Reckless driving: 22 percent
2. Driving while under the influence: first offense: 19 percent
3. Driving without a license or permit: 18 percent
4. Careless driving: 16 percent
5. Speeding 30 m.p.h. over the limit: 15 percent
6. Failure to stop: 15 percent
7. Improper turn: 14 percent
8. Improper passing: 14 percent
9. Following too close/tailgating: 13 percent
10. Speeding 15 to 29 m.p.h. over limit: 12 percent
11. Speeding 1 to 14 m.p.h. over limit: 11 percent
12. Failure to yield: 9 percent
13. No car insurance: 6 percent
14. Seat-belt infractions: 3 percent
The insurance.com website also includes a calculator which can provide more personalized results for how various traffic tickets may affect your rates.
The Best Way to Keep Your Current Rates is to Fight Your Traffic Tickets
For experienced, aggressive New York traffic ticket defense, call us at 1-888-883-5529, or contact us via the web to tell us about your case. We serve clients for traffic violations all across New York State.