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Old March 27th, 2014
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Default Speeding ticket raises insurance by 21%

According to a report from, getting caught speeding by up to 15 miles per hour over the speed limit can result in a 21% increase in your insurance premium.

Click here to read the full article at

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Old March 28th, 2014
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WOW, that a very good reason to buy a RD right there.
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Old March 28th, 2014
Jeepers Jeepers is offline
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Don't know if all states have one or not but Washington has a deferment option that keeps the infraction under wraps for a specified period (it's one year in this area) if you do not get another ticket. After a year the ticket is removed from your driving record and you're clean again. It's worth it to keep the insurance vultures out of your bank account for 3 or 4 years.
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Old March 30th, 2014
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A lot of insurance companies offer a two ticket grace (within reasonable over PSL) and then watch out.
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Old January 23rd, 2015
Jman Jman is offline
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Originally Posted by smokinu454 View Post
WOW, that a very good reason to buy a RD right there.
I agree 100% I'm still trying to get my insurance lowered from when I had my accdent 2 years agao
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Old January 23rd, 2015
mswlogo mswlogo is offline
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That's the ONLY reason I run a Detector. I could give $hit about the ticket.

An Accident can Raise it just as much.

And now if I do have accident. I'll pay up to $5000.00 out of pocket before I'd put claim in and raise my rates.

Because if you get another Ticket or Accident then you are really screwed.

We calculated what a Ticket or Accident would cost for co-worker that was UNDER 25 Driver and it was insane. It would cost him many $1000.00's for 1 ticket. EASY. I forget the exact numbers but I think it would cost $5000.00
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Old January 25th, 2015
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So pretty much one save and it pays for your $500 RD.

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Old May 30th, 2016
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Default Fyi

One of the biggest things that affects your insurance rates also is your credit report and how long you've been with the same insurer.

Source: Consumer Reports

A couple of interesting blurbs from Consumer Reports:

MYTH: You Get a Loyalty Discount for Staying With the Same Company a Long Time

HIDDEN TRUTH: You might actually be charged a loyalty penalty

Many companies, including car insurers, reward their most loyal customers with discounts or other incentives. It’s a smart business model. But our study found that while some insurers give a sizable discount, others give a small one, and still others offer nothing at all. Some insurers even salute your allegiance with a price hike.

It’s common for consumers to stay with the same insurance company for a long time. Fifty-three percent of Consumer Reports subscribers have stayed put for 15 years or more, according to our most recent survey. But that kind of complacency can cost you. In Washington State, for example, seven of 15 insurers didn’t give a discount to our married couples who had been steadfast customers for at least 15 years, including Amica Mutual and Farmers.

Trusted name brands were no guarantee of anything: In Washington, State Farm Fire & Casualty offered no discount; State Farm Mutual provided $182, or 15 percent in savings. Geico General and Geico Government Employees didn’t offer a discount; Geico Casualty actually charged a $689 loyalty penalty, or 17 percent.

Discounts also varied by state. USAA offered a nice savings of $197 in Kentucky but a meager $14 loyalty discount in Washington, nothing in Colorado and Michigan, and a $28 loyalty penalty in New York.

Geico Casualty gave us whiplash with its $3,267 loyalty penalty in New Jersey and its $888 discount just across the state line in New York for longtime customers. State Farm Mutual consistently provided discounts of a couple of dollars up to a few hundred dollars; Allstate Fire and Casualty and Allstate Property & Casualty tended to prefer penalties.


How your credit score raises your premium

Your score is used to measure your creditworthiness—the likelihood that you’ll pay back a loan or credit-card debt. But you might not know that car insurers are also rifling through your credit files to do something completely different: to predict the odds that you’ll file a claim. And if they think that your credit isn’t up to their highest standard, they will charge you more, even if you have never had an accident, our price data show.

Cherry-picking about 30 of almost 130 elements in a credit report, each insurer creates a proprietary score that’s very different from the FICO score you might be familiar with, so that one can’t be used to guess the other reliably.

The increase in your premium can be significant. Our single drivers who had merely good scores paid $68 to $526 more per year, on average, than similar drivers with the best scores, depending on the state they called home.

And your credit score could have more of an impact on your premium price than any other factor. For our single drivers in Kansas, for instance, one moving violation would increase their premium by $122 per year, on average. But a score that was considered just good would boost it by $233, even if they had a flawless driving record. A poor credit score could add $1,301 to their premium, on average.
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Old June 28th, 2016
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Originally Posted by EscortRadar View Post
According to a report from, getting caught speeding by up to 15 miles per hour over the speed limit can result in a 21% increase in your insurance premium.

Click here to read the full article at
Very Good information. Thanks
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Old May 18th, 2017
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Antelopez Antelopez is offline
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i have a now a reason to buy radar with this news
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