car speeding

How your auto insurance can be affected by an out-of-state traffic offense.

When you’re visiting an area and aren’t entirely familiar with the roads, you may make some mistakes. Sometimes it’s merging into the wrong lane. Sometimes it’s going over the signposted speed limit without realizing. Getting a ticket while out of state can post more questions and hassle than a traffic ticket received in your home state. You may find, however, that your out-of-state ticket affects your auto insurance rate.

Your car insurance company will run your driving record to determine your car insurance rates. Some car insurance companies run your driving record every time you renew your policy. This means that a ticket that you get in or out of state may not affect your rates right away. For out-of-state tickets, how much they affect your rate will depend on how they are reported on your in-state driving record. Most states notify each other of traffic violations when they occur. However, not all states participate.

If you do get a speeding ticket while driving out of your home state,  be sure to pay it promptly so that it doesn’t appear as an unpaid ticket. If it’s not paid, you may need to appear in court, which will mean additional travel costs. Find out if you can take a driver training course to reduce the cost of the ticket or demerit points.

The best way to avoid an increase in car insurance premiums is to avoid getting speeding tickets and other traffic violations, regardless of where you are in the country. For help securing the right coverage to suit your needs, talk to the team at Sausman Insurance Agency. We are here to help.