Tickets can increase your insurance rate. Live in Queens or NY? Let us help you fight your tickets!
How Will Tickets in Queens or NY Affect Your Insurance Rate?
When you get a ticket in New York, your insurance rate will go up, especially in Queens or any of the other boroughs of NYC. There are many factors that are taken into account when insurance companies calculate auto insurance rate. However, each company calculates differently. Some of the factors are:
- Your age
- How many years your policy has been in effect
- The type of residence you live in as well as the location
- Your marital status
- The amount of coverage
- Your credit score
No matter how these factors play out in your insurance company, one thing is certain: if you are found guilty of a driving infraction, your insurance will go up! The best way to avoid insurance increases is to hire My Tickets NYC to fight your ticket and get it dismissed. In the worst cases, we should be able to reduce your ticket in a manner that has the least effect on your insurance rates.
Queens driver now needs a traffic lawyer
How Much Will a Ticket Raise Your Car Insurance Rate in Queens or NY?
Insurance.com conducted a massive study of how various tickets affect insurance rates. Four hundred ninety thousand quotes from 14 carriers were analyzed between January 2009 and January 2011. The lowest rate increase was an average of 3% for failing to wear a seatbelt; the highest averaged 22% for reckless driving. Below are the average increases for the 14 companies in the study:
- Reckless driving: 22 percent
- DUI first offense: 19 percent
- Driving without a license or permit: 18 percent
- Careless driving: 16 percent
- Speeding 30 mph over the limit: 15 percent
- Failure to stop: 15 percent
- Improper turn: 14 percent
- Improper passing: 14 percent
- Following too close/tailgating: 13 percent
- Speeding 15 to 29 mph over limit: 12 percent
- Speeding 1 to 14 mph over limit: 11 percent
- Failure to yield: 9 percent
- No car insurance: 6 percent
- Seat belt infractions: 3 percent
Can Insurance Companies Raise My Rates For One Ticket?
Under Insurance Law Section 2335, insurance companies in New York State may raise a motorist’s insurance rates for certain reasons. Here are some examples:
- Driving sixteen (16) miles per hour (or more) over the limit
- Speeding and/or reckless driving on 3 or more occasions
- Speeding or reckless driving where injury or death results
- Driving while intoxicated or impaired (alcohol or drugs)
- Leaving the scene of an accident without reporting it
- Convicted of 2 or more moving violations
- Damage to the vehicle or another of more than $2,000
Remember that convictions stay on your record for 36 months. What seemed like a small ticket last year may come back and cause an insurance increase this year. Motorists with no points and no accidents (a clean record) will not receive an insurance increase for smaller violations such as speeding up to 15 miles per hour over the limit, improper turns, etc. The reason you want to fight these is to keep your record clean in case of a second, larger infraction, keeping your insurance rates as low as possible. Insurance companies will raise your rates if they can. The key to keeping them low is to fight your traffic tickets while you can. If you plead guilty to an infraction and then come to us six months later with a second infraction, we can do nothing about the first one. In many cases, your insurance increase (for three years) is more expensive than fighting the tickets. Let us help you to keep your insurance rates as low as possible and your driving record clean
What is the Best Way to Avoid Insurance Rate Increases for Tickets in Queens or NY?
Let’s face it, the best way to avoid increases in your insurance rate is to obey every traffic law and never get a ticket. My Tickets NYC knows that if you live in Queens, NYC or NYS you face time pressures, insane traffic and delays that seem to come out of nowhere. We also know that good people sometimes make mistakes and are cited for a traffic infraction. Remember, your insurance rate will not go up unless you are found guilty! That is where the lawyers at My Tickets NYC come in. Legally they have to state that their record cannot guarantee future results. Having said that, they have a very good track record of getting tickets dismissed. And in the worst cases their record shows that they are highly skilled at getting costly tickets reduced to ones that have the least fines and insurance rate increases. They will want to know every detail regarding what was happening when you received the ticket. How clear a view did the officer have? Were there mitigating circumstances? They will cover all details in their first conversation with you. Then, once retained, they will develop the best possible defense for your unique circumstance. If you live in Queens or NYS, contact My Tickets NYC at 917-426-2WIN (2946) or complete the e-mail form to discuss how they may help you avoid insurance rate increases for receiving a ticket.