Does A Single Speeding Ticket Raise Teen Car Insurance Rate
Reader’s Question:
My 16 year old daughter got a ticket for speeding. Now we were just wondering if this will increase her car insurance rate? Does she need to notify her car insurance carrier?
Brian
Oklahoma City OK
If this is your daughter’s first ticket then it is possible that she will not see any change on her car insurance rate. Different states have different laws concerning when and why car insurance companies can lower or increase car insurance premium but usually car insurance companies are not permitted to increase your her car insurance rates after just one ticket or any minor violation. Various car insurance companies practices vary when it comes to increasing premiums. Some car insurance companies will consider the severity of your citation and increase your car insurance rates accordingly; others will increase rates a specific amount per citation.
Generally, an insurer has the right to check the driving history of anyone who applies for an car insurance policy from that insurer. If they see that you do not have good driving record, theres a big possibility that your car insurance rates will increase. Car insurance companies typically has their own point system to know the amount of the increase (if any). Although rating systems among car insurers differ, most car insurance companies use a system based on the Safe Driver Insurance Plan, which is issued by the Insurance Services Office (ISO).
Your daughter need not to notify her car insurance company regarding the ticket she receive because the insurance company will eventually see this citation on her driving record the next time they check her record.
Cheap Auto Insurance for Student Driver
Reader’s Question:
I’m from Missouri. I just turned 16, and am looking forward to learning how to drive. Do I need to apply for auto insurance even if I’m just a student driver?
Janis
Springfield, MO
Sixteen is a very exciting age, especially now that you are getting behind the wheel. Not everyone your age is astute enough to ask about such boring details as auto insurance. Mostly teenagers learning how to drive for the first time are thinking about “When are my parents going to buy me a car?” or “Finally the freedom to go anywhere I want!”
So to answer your question – yes, auto insurance coverage is necessary for every driver. Getting a Learner’s Permit means that you have permission to drive but with certain limitations. Although your Learner’s Permit is just a temporary license, you are still required to carry financial responsibility, along with all the responsibilities that come from operating a motor vehicle in public roads.
There are two ways you can go about this. One way is that you can apply for your own auto insurance. There’s a lot of information on the Internet that can help you. Check out the sites of the various automotive insurance providers in Missouri. Each one offers their services differently. Knowing all your options will help you make better choices. You can also be covered under an existing auto insurance policy such as your parents’.
As a student driver you’re probably going to have to borrow their car for the first few occasions until such time as you get your own. It wouldn’t hurt to ask your parents about it. Being more experienced drivers, they could tell you a lot more on the nitty-gritty stuff of automotive insurance coverage.
One of the best ways to lower your annual premiums is to have a higher deductible amount.. Like a $1,000, is what I carry personally.
Now, if you are a claim free and safe driver like I am, you could be saving a ton of money each year on your premiums. People fail to realize that the deductible amount is only paid when they file a claim and their insurance company pays that claim.
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