Speeding tickets and other relatively minor censures of an individual's driving can have a detrimental effect on their driving record, but people do not always consider the implications on their insurance rates. In Pennsylvania, not all traffic violations come with hefty criminal consequences, but some can influence an individuals' insurance rates in a profoundly negative way. Thus, it may be in the best interest of the individual to do what can be done to fight such charges, as traffic charges that are dropped cannot drive insurance rates higher.
It should come as no surprise that the infraction most likely to show an increase in insurance rates is drunk driving. If convicted, a drunk driver can expect an average rate jump of 92 percent. However, other infractions can be just as damaging. The second-most influential infraction is reckless driving, with an average premium increase of 83 percent, and speeding (31 mph over the limit) at 29 percent.
The rates at which minor infractions influence insurance may be surprising as well. While driving without a license comes with an average rate hike of 16 percent, driving illegally in the carpool lane is actually worse, at 17 percent. Failing to signal clocks in at almost 19 percent. Clearly, even minor infractions can have a long-term effect on a driver's bottom line.
Traffic violations are not always the most dramatic charges a Pennsylvania driver can face. However, it is clear that they must be taken seriously if insurance rates are to be kept at affordable levels. Seeking support in fighting such charges in court might save a lot of money in the long run.
Source: dailyfinance.com, "What Traffic Tickets Really Do to Your Auto Insurance Costs", Jason Notte, May 8, 2015