How Much Will My Car Insurance Go Up?
Most of us know that getting a NY traffic ticket will cause our insurance premiums to increase substantially. However, almost no one truly knows how much more we can expect to pay if we are found guilty of committing a New York traffic violation.
Recently, Insurance.com has done something about this. They assembled a team of experts to determine how much you can expect your auto insurance to increase by if you are found guilty of committing a traffic offense.
Their team of experts analyzed the top 14 most common traffic violations and discovered that reckless driving was the most costly violation while a mere seat-belt violation only slightly increased a person’s rate. The experts analyzed more than 490,000 insurance quotes given to drivers from 14 carriers from January 2009 through January 2011.
The analysis compared quotes that were given to drivers with the 14 most common violations and compared them with quotes given to drivers without any violations. The following is the list of results that they found and the answer to the question we all have been looking for:
1. Reckless Driving: 22%
2. Driving While Under the Influence—First Offense (DUI/DWI): 19%
3. Driving Without a License or Permit: 18%
4. Careless Driving: 16%
5. Speeding 30 Miles Per Hour Over the Posted Limit: 15%
6. Failure to Stop: 15%
7. Improper Turn: 14%
8. Improper Passing: 14%
9. Following Too Closely/Tailgating: 13%
10. Speeding 15-29 Miles Per Hour Over the Posted Limit: 12%
11. Speeding 1-14 Miles Per Hour Over the Posted Limit: 11%
12. Failure to Yield: 9%
13. No Car Insurance: 6%
14. Seat-Belt Infractions: 3%
Additionally, their team of experts constructed “The ‘Uh-Oh’ Calculator.” This ingenious device will determine how much you can expect your specific rate to increase for a traffic violation based on the uniquely tailored data you input.
You will be given the opportunity to select your offense, the state you live in, your marital status, age, residence type, amount of years you have been with your carrier, and your yearly premium.
This new tool lends credence to what we have been telling you all along. Pleading guilty to a NY traffic ticket is simply not an option and trying to fight it alone is far too risky.
Contact a New York traffic ticket attorney today and avoid having your car insurance skyrocket.