Will my car insurance go up after my first ticket?

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Discussion Overview

The discussion revolves around the implications of receiving a first traffic ticket, specifically regarding potential increases in car insurance rates. Participants explore various strategies to mitigate the impact of the ticket on insurance, as well as the legal options available depending on state laws.

Discussion Character

  • Debate/contested
  • Conceptual clarification

Main Points Raised

  • One participant questions whether a ticket always results in increased insurance rates, sharing their specific situation involving a stop sign and right of way.
  • Another participant suggests that in some states, paying a higher fine can lead to ticket dismissal, preventing it from affecting the driver's record.
  • A participant mentions that officers may have discretion to issue tickets that do not result in points on a license, depending on local regulations.
  • There is a suggestion to plead the case in court, with the hope that the officer may not appear, potentially leading to ticket dismissal.
  • One participant expresses a more punitive viewpoint, emphasizing personal responsibility and the consequences of breaking the law.

Areas of Agreement / Disagreement

Participants express differing views on the consequences of receiving a ticket and the options available to mitigate its impact. There is no consensus on whether insurance rates will definitely increase or on the effectiveness of various strategies proposed.

Contextual Notes

Limitations include variations in state laws regarding traffic violations and insurance implications, as well as the discretionary power of law enforcement in issuing tickets.

Benzoate
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Does it always increase when you get a ticket. I got a ticket for failing to stop at a stop sign , but I had the right of way because I arrived at the stop sign first but I before the other three cars as I turned right. What should I do to prevent my (or I should say parents') car insurance from going up? This is my first ticket
 
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Depending which state you live in, if you pay twice the amount of the fine, they will dismiss the ticket and it won't go on your record. I did this on the tickets the Evo Child got. You should call the court that handles the ticket and ask them what's allowable, or contact an attorney that deals with tickets.
 
My brother is a cop. In our area there is an option on our tickets that the officer can put on the ticket to make it simply a fine. It does not get reported to the Secretary of State once it is paid (no points on your license). Apparently it is up to the discretion of the officer though. You may have the same thing in your area. You may be lucky. I would call your county courthouse that deals with tickets and ask.

That being said, young drivers with moving violations are going to be a tough rap to beat. You could try to plead your case in court. Just hope that the officer doesn't show up. The the ticket would get dropped.
 
FredGarvin said:
My brother is a cop. In our area there is an option on our tickets that the officer can put on the ticket to make it simply a fine.
Here the officer has the option of giving a warning which carries no fine. It doesn't go on your driving record either, but is viewable for a time to officers. They can see if in the last year you were let go with a warning and base their decision to give a ticket based on that information.
 
You made a mistake/broke the law! Suffer the consequences, and learn from it!

Hmph!
 

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