Speeding tickets increase auto insurance rates. But by how much? I decided to write about moving violations and your auto insurance, after reading this NY Times Money blog post here. The NY Times blog mentions an Insure.com study stating one moving violation can lead to 18% higher rates on auto insurance. This strikes me as high, based on my many years experience working with auto insurance companies, and I think the problem might be the study treats all moving violations as equal. For example, a reckless driving or DUI violation is lumped in the same class as a minor speeding ticket. I assure you, insurance companies have MUCH higher rates for major violations, like reckless driving, than they do for a speeding ticket. This blog article will explain how minor moving violations impact auto insurance rates.

I doubt a minor moving violation gets you 18% higher rates, than drivers with a clean driving record, with any auto insurance company. In fact, if you have other factors in your favor, mainly excellent credit, you can still qualify for low preferred rates — even with a minor speeding ticket. When I was selling auto insurance, I was sometimes surprised how little the rates changed, after finding out about one ticket on the applicant’s driving record. Of course, you want to avoid tickets to get the best rates (and the cost and hassle of the ticket).

What if you do get a speeding ticket? Will your rates automatically go up? Maybe not.

If you are convicted of a moving violation, wait to see if your rates go up at your next auto insurance renewal. Your ticket will be on your motor vehicle report, but your insurance company may not have checked it recently, and may never check it. However, most insurance companies charge for tickets in their rating plans, so they have an incentive to check your driving record periodically.

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Even with a clean driving record, auto insurance companies have regular rate increases, while some companies reduce their rates to gain more customers. Shopping for a better rate, and insuring with lower-cost insurance companies, is the best tool a consumer can use to save money, and send a message to all car insurance companies to keep their rates reasonable.

If all auto insurance customers shopped regularly, and chose among the companies with the best rates, all companies would be forced to have more competitive rates. Most insurance customers don’t shop, and this is why some companies charge twice as much as others, and stay in business. The auto insurance company ads you see promoting big customer savings aren’t lies. You can save $100s by shopping. See my blog post Car Insurance Ads: Can you really save $500 a year?

Thanks for reading this brief blog article about how speeding tickets influence auto insurance rates. You can find reviews of leading auto, home, & life insurance companies on my website & blog. Did you find this article useful? Comment on my facebook page. You can reach me at help@smartshopyourcarinsurance.com if you have questions. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.