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Car Insurance Rises Faster Than Your Speed

You may take pride in going zero to sixty in under five seconds, but before you show off your car's enviable acceleration capability, remember that you will be issued a ticket just as quickly for driving over the speed limit. Speeding tickets are moving violations, and usually cost approximately nine to ten times the price of a non-moving violation. The costs of these violations add up when you consider the increased insurance costs you will face, attorney fees (if needed), traffic school and the required SR-22 insurance (if needed).

Car insurance companies have a vested interest in insuring responsible drivers, but they won't hesitate to raise your premium should you be charged with speeding. Increased premiums are given in the hopes that they will deter you from committing future violations. It is also a way to protect other clients from increased insurance costs caused by irresponsible drivers. Ultimately the cost of paying a speeding ticket on time is a pittance compared to the hundreds, sometimes thousands of dollars some pay in insurance costs.

A speeding violation results in points being added to your driving record, which you can only remove by attending driving school, hiring an attorney or sometimes both. If you rarely get speeding tickets and complete driving school requirements to erase points, you will likely not need a lawyer.

Conversely, if your driving record is littered with offenses, you may need an attorney to retain your driving privileges. Repeat offenders are often required to carry SR-22 coverage, which is essentially a type of insurance, but three times the price of average auto insurance.

Remember that traffic school can only remove a limited amount of points every five years, and accumulating too many points may result in the state suspending your license. When car insurance rates dramatically increase, your budget can become significantly strained. If you've been criminally charged for traffic violations, insurance prices will soar.

One of the best ways to keep your premiums from increasing so drastically is to drive in a risk-free manner. If you are assessed points, take the necessary steps to remove them as soon as possible. Find an attorney to represent you in traffic court if necessary to ensure that your car insurance company does not charge you steep prices unfairly.