The true impact of speeding tickets & How to avoid them


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The True Impact of Speeding Tickets and How to Avoid Them

Speeding tickets are expensive. Not only do you have to pay the fine and potentially hire a lawyer to go to court, but you have to deal with consequences like a rise in your insurance rates, taking defensive driver classes, or having your license suspended.

  • The average cost of a speeding ticket in the United States is $150.
  • Fines can range from $50 to $2500 depending on the state and how much over the speed limit you were traveling.
  • A speeding ticket will cost you much more if you live in Virginia or Illinois, where the maximum penalty for speeding is $2500.
  • Next are Georgia and Nevada with a maximum of $2000.
  • The least expensive state to get a speeding ticket is Tennessee, where the maximum fine is $50.
  • Kentucky and Colorado have a maximum penalty of $100.

You are far more likely to get pulled over in one of these states, who have ticket-happy officers:

  • California
  • Connecticut
  • Georgia
  • Massachusetts
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • Texas
  • Virginia

The cost of the ticket itself isn’t your only problem. The real cost of the speeding ticket is what happens afterward.

  • Speeders cause car accidents far more often than non-speeders therefore moving violations have a massive impact on your insurance rates.
    • Slowing down by a couple of miles an hour could save you a lot of money.
  • Did you know that a speeding ticket can affect not only your auto insurance rate but your homeowner’s insurance and your life insurance rates, too?
  • Some other consequences you may have to deal with include taking safe driving courses, accumulating points on your license, and having your license suspended.
  • All of these things cost you money. They may not cost you money today, but they will cost you money when you have to resort to taking public transit everywhere or relying on your friends because you are no longer allowed to drive.

So what do you do if you get a speeding ticket? Aside from slowing down and doing the speed limit, here are some of the ways you can handle the situation:

  • Contest the ticket
    • It’s a long shot because it usually is your word against the officer, but if you win, your insurance company will forgive the ticket, and you won’t have any infraction points on your license.
  • Slow down
    • The more tickets you get, the worse you will suffer the consequences, so if you already have a ticket on record, be more conscious of your speed.
  • Take a driving class
    • Even if it’s not required by law, taking a defensive driving class could help you drop that moving violation from your record. Some of these courses can be taken online.
  • Change insurance companies
    • Every insurance company is different, so shop around for new rates after getting a ticket, taking advantage of any accident forgiveness you can find.

The best solution to the speeding ticket problem is not getting one in the first place. Follow these seven tips, and you’ll be in the clear:

  1. Don’t speed.
  2. Plan ahead. You are more likely to speed if you’re running late.
  3. Know your triggers. Intense emotions cause erratic driving.
  4. Check the speedometer.
  5. Be respectful. If you do get pulled over, kindness goes a long way.
  6. Understand the risk. Going fast increases the risk of fatality in an accident.
  7. Get a radar detector.

If you just can’t break the speeding habit, the one-time cost of a good radar detector is by far cheaper than the consequences of doing 20 miles per hour over the posted limit.

 

Resources

https://www.investopedia.com/articles/personal-finance/040115/real-cost-speeding-ticket.asp
https://auto.howstuffworks.com/under-the-hood/cost-of-car-ownership/cost-of-speeding-ticket.htm
https://blog.esurance.com/speeding-tickets-where-does-your-state-rank/
http://classifieds.usatoday.com/blog/services/not-so-fast-10-tips-on-how-to-avoid-speeding-tickets/
https://www.moneyunder30.com/speeding-tickets-affect-your-insurance