Does a Speeding Warning Affect Your Insurance?

What people pay for car insurance policies is majorly affected by a large range of variables. These include everything from a person’s age, marital status, driving record, credit score, and more. As part of your driving record, speeding tickets can have a negative effect on your car insurance outlook. Speeding warnings are different than tickets, however, leaving many people curious as to whether or not their rates will go up if they get one. Find out if speeding warnings affect your car insurance premiums in this article, as well as ways to save money on auto insurance in general.

When a person is issued a speeding ticket, they have to pay a fine for that ticket at the police station or courthouse. There is a solid record in the system of the ticket and what it was for. Conversely, speeding warnings are given either verbally or in writing by a police officer. In most cases, there is no record of this warning in existence. Since there are no available records, car insurance companies do not have access to the information.

Warnings Should Never Affect Car Insurance Rates

Warnings should never affect a person's car insurance rates, though it is essential to keep in mind that different states handle speeding warnings differently. There are some situations where certain types of warnings can affect your rates, though it is rare. If you are pulled over, and an officer gives you a written or verbal warning, your auto insurance premiums are unlikely to be affected. Sometimes a police officer does not want to issue a ticket, and there are many reasons that this could be the case. When there is no record of an incident reported to the DMV, it is likely that the car insurance provider you are using will not have access to it. Written warnings, however, could be handled differently.

Written Warnings May Be On Your Record

There are two different types of warnings a police officer can issue when pulling a person over. One of them is a verbal warning, and the other is a written warning. Written warnings are sometimes handled in different ways than verbal ones. There are some circumstances where written warnings can exist on your record.

If you have received a written warning from a police officer, you will want to contact your local DMV to see if it can be found on your record. If the warning is found on your driving record, there is a chance that your automobile insurance provider will be able to find it easily. Even though your auto insurance carrier might be able to find the written warning, it is still not likely that it will lead to a change in car insurance rates. Some states do keep documentation for all written warnings. If these written warnings are combined with other risky behavior, like numerous speeding tickets, it could potentially affect your rates. This is unlikely but possible.

What Else Do I Need to Know About Warnings?

Your insurance provider may have access to warnings that you have been given. If they are looking to place you into a high-risk driver category for other reasons, this can be used as evidence to further backup your higher risk profile. If you have multiple warnings for speeding, they may look to charge you more for your car insurance plan.

Saving money on auto insurance, regardless of your driving record, can be done at State Insurance. You can get free quotes for car insurance here, including as a high-risk driver, or if you are looking for a standard auto insurance plan. The tools here allow you to compare insurance prices from multiple companies. By taking advantage of as many discounts as you can, you can find the best prices for automobile insurance plans.

Also, keep in mind that you can save money in other ways as well. Keeping your driving record clean is one way to keep your car insurance premiums as low as possible. In addition, improving your credit score can have an effect on auto insurance rates. Some states do not allow auto insurance carriers to use a person’s credit score to determine rates. Also, keep in mind that the type of vehicle you drive can have an effect on your prices. Get top prices on car insurance available in your area at State Insurance and keep more money in your bank account for other expenses.

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