Speeding tickets, speeding cars and auto insurance?

Eric Schmidt: Would the insurance company cancel my sons auto insurance policy for speeding or speeding tickets? What should I do?

Speeding and speeding tickets lead to high teen car insurance rates or even cancellation of auto insurance

Response : Speeding is dangerous and this is a known fact. This is one of the main reason why the teen auto insurance rates are very high for this age group. The teenage group like to speed. As per the surrvey conducted by Allstate last year, teenage girls are now indulging in speeding and distracted driving compared to boys. Speeding is a leading casue of fatality for this age group. Please stay tunned on this blog if you are interested in statastics since this is what I intend to give you in the forth comming post.

If you have too many tickets, or claims the insurance company may refuse to renew your policy, or they can put you into Facility Rating. “Facility Rating” means high risk insurance rates of thousands of dollars per year, for at least three years, or until you have a clean record. Your sons car insurance policy will not be cancelled immediately, but the renewal would be refused. This is when you would have problems.

It is worth fighting a speeding ticket, just to save the car insurance premium cost, or to get your teen car insurance renewal.

Any insurance agent or insurance advisor, would recommond that you contest the speeding ticket in court of law, since this is going to save you thousands of dollars in insurance. Especially teen car insurance, since the cost of teen car insurance is high and the added cost of being a high risk on account of speeding is going to cost you even higher teen car insurance premiums.

Please ignore the cost written on the speeding ticket and weigh it against the cost of fighting for the speeding ticket? It is worth it when you consider the insurance implications could cost you hundreds and hundreds of dollars more.

Insurance rates do not go up or down by twenty or thirty dollars per year, they increase by hundreds or thousands of dollars. Not just for one year but for up to six years.

At most times the police officer give the driver a “break” by dropping the speeding ticket down to just a fine of fifty dollars or less, with no demerit points. This would not mean that if you get a break from the officer your teen car insurance or auto insurance rates will not be affected.

The truth is that insurance companies do not count or care about demerit points. Your insurance company counts “convictions”. If you pay a speeding ticket, even one with a small fine on it, your insurance company will put a strike against your insurance rate. Each ticket except for a parking ticket is goind to increase your car insurance rate. The best strategy is not to indulge in speeding or to fight every speeding ticket to keep your driving record clean. Ofcouse qualified people will do much better in the court than you can do and so this might be a good idea.

What other due diligencies can be done to stop speeding and for teenage safety or best car insurance rates

Teenage safety is a great and big concern, more than even teen car insurance or getting best car insurance rates. These are the folllwing measures you can take for your teenage driver :
1) It might be a good idea not to let the teenager drive a sports cars. Sprorts car speed smoothly and at this age it is difficult for a teenage to stop from trying a spin. It would be best to give him a normal car.
2) Guide the teen, be a role model and explain them the issues of speeding.
3) Insist that they pay their own teen car insurance, this way they would be more responsible and accountable and would stop speeding.
4) Enroll them for graduated driving lessons.
5) Compare teen car insurance quotes, you would get the best car insurance quotes.

Summary : Speeding tickets or speeding cars are to be avoided for any drivers especially aggressive drivers. Speeding tickets do not fly with insurance companies and are certainly going to increase car insurance rates. It is worth fighting a speeding ticket.

Teen auto insurance quotes and staged accidents

Staged auto accidents are something which can shoot up your teen auto insurance rates.

Teens are mostly looking for the thrill to drive a car and getting to their destination that they would not be watchful of the things going on the road. However in USA and also in Canada especially where there is no fault liability staging of auto accidents to get auto insurance claims is a common practice adapted by some scheming people and the teenagers or other drivers fall prey of this. Your teen auto insurance rate will skyrocket by no fault of your own.

How are collisions staged? Do they impact teen auto insurance or car insurance?

In this economical recession, the auto insurance claims are much higher in United States and also in Canada. The present teen auto insurance rates are already hurting. The staged collisions are increasingly involving innocent drivers. There are several ways the staged collisions are poised as being made to appear authentic. The common tactics that have been identified for this are :
a) Target and Bullet : Here a person who is driving the car unsuspecting is hit intentionally and a collison is stage, wherein the innocent driver gets involved unnecessarily.
b) Swoop and squat: At times there will be two cars which are used to stage the accident. The front one all of a sudden slams on their brake and this gets an innocent driver to rear-end the vehicle. In some cases, two vehicles are involved in the fraud, causing an innocent third party to rear-end the second vehicle;
c) Drive down or wave-in staging method. Here a driver exiting a parking lot is ‘waved in’ by a driver on the roadway. The roadway driver accelerates into the merging car once they enter the roadway, intentionally hitting the innocent driver and causing a collision where the innocent driver appears to be at fault.
In all the above cases, the fault would be of the innocent driver who has failed to excercise caution. Imagine if you were involved as a teen driver what would be your plight and your teen auto insurance rates or teen auto insurance cost would certainly increase.

Compare your teen auto insurance quote here and get cheap teen auto insurance quotes.

Steps that you can take to get avoid stage collisons and get cheap teen auto insurance quotes.

The first thing as a teenager you should be doing is to concentrate on your driving so that you do not fall a prey of all these above gimicks. Secondly teen drivers should be most careful of avoiding any distractions.

If by chance you fall prey of a staged accident tha follow the advice given by the insures to protect yourself from the fraud and the steps are given below :
• Make a note of the number of paasengers along with their ages and genders alongwith their names and contact addresses. Count the number of people in the car since this is important and might change at a later date.
• It is best to call the police to the scene, file a police report and keep a copy. Do not take further direction from anyone other than a police officer;
• Do not fall for any information given by a tow trucker. They would pressurize you or guide you to a particular mechnaical shop or body shop or even provide information on paralegal or medical professional. It is best to call your insurer and get a list of preferred auto shops;
• If possible take photos of the scene, including damage to all vehicles involved; and
• Make sure all bills are detailed and accurate, medical treatments offered are necessary, and always read forms thoroughly before signing them.

Call your insurance company and talk to the claims people there to get their help and advice on the claim. It is possible that the insurance company will investigate the matter immediately and you would not end up with having full liability for the claim.

Yes, get your cheap teen auto insurance qoute here. It cost nothing to get a quote for free and the insurance rates do flucatue so you can still ge the best car insurance quote.

Howie Schultz : How much would a speeding ticket really cost in terms of car insurance and other costs?

Speeding tickets- can cost you your cheap car insurance.

Response : Howie, yes speeding tickets can prove very costly in terms of other cost and can also deprive you off cheap car insurance rates, since insurance is dependent on your driving history. Well do not be dispappointed and dejected since for every thing there are solutions and I will show you the solution.

When a driver is pulled over by a police officer and issued a citation, the first thing they look at is how much the ticket is going to cost them. They flip it over and read the number and think that is all it will cost. However, receiving a ticket carries several hidden costs. :
1) The first hidden cost is time. Often people are caught for speeding and say they were running late, they were trying to make up time.
2) They have to pay the fine, appear in court.
3) They need to find out details of a safe drivers course, pay for it and take it.
4) The biggest cost though is usually felt in insurance rates. A ticket’s cost in insurance premiums is often many times more than the fine associated with the violation. Some violations can even result in a company dropping a driver’s coverage or refusing to renew coverage. Your auto insurance premium will be higher and the driving violation will on your record for a period of 3-5 years depending upon the state you are living in. Let me tell you a truth, which is that the auto insurance company will charge you a higher premium not for one year, but for three years. You loose your cheap auto insurance rates.

Yes, the solution is there and it is to compare your auto insurance quotes online, to improve your driving record since just one ticket is not going to crucify you. It would be worth-while to seek an appeal for the speeding ticket, since if it is the first offence the court will also let you off. Another very important thing for young drivers, fresh drivers or college students is too take up the graduated driving lessons which will give you discounts and so your increase ratings would not affect you – you would still be on the scale of a cheap car insurance quote which you were enkoying previously.

I am sure that you have done the research and compared the policies and you know that you have found the cheapest auto insurance rates. The real key, however, is keeping that cheap auto insurance rate. The best way to keep auto insurance rates low is to keep a clean driving record. If keeping a clean driving record means an improvement in your driving record it may be time to compare auto insurance rates with other carriers and discounts for good driving records can vary from company to company.However, the best thing to do is to be careful, not to speed as far as possible.
Thanks.
Kamlesh