When you purchase insurance for your vehicle, the initial factors that will determine how much you will pay each month include age, marital status, gender(in certain instances), car model and manufacturer, where you live and depending upon how long you have been driving, your “history” behind the wheel. A driving record that shows multiple citations or violations can cost you hundreds of dollars out of pocket each year. If you are in an accident and considered at fault, this can have an even greater impact on your record, add that to a few speeding tickets and you might even be designated as”UN-insurable”.
According to research and analysis of 490,000 policy quotes performed by Insurance.com, just one speeding ticket could cause a 22% increase in your vehicle’s insurance premium, however that percentage increase was based on a reckless driving citation, a more severe speeding violation. A first time DUI was found to increase a driver’s premium by 19%, driving without a license at 18% and careless driving at 16%. The full list, from Insurance.com is below.
- 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
Since you can be on the receiving end of a Georgia Super Speeder Ticket if you are driving 75 miles per hour or higher on a two lane road, or 85 miles per hour or more on any road, your insurance company will look upon this additional violation and its accompanying fine of $200 with disfavor. The ticket itself must be paid within 120 days or you lose your Georgia driver’s license. you must then pay an additional $50 on top of the $200 to have it reinstated. Not advisable to skip payment!