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Old 12-20-2017, 05:52 PM   #1
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Speeding ticket

I received a speeding ticket in our family car. Will that increase my RV insurance rate (already high,)?
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Old 12-20-2017, 05:59 PM   #2
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Are they insured with the same company? But in reality it doesn't matter as it depends on how your ins company rates you.
When you renew they might ask you if you've had any tickets or they may pull a report.
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Old 12-20-2017, 06:05 PM   #3
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Depends on how many tickets you have had, also the speeding charge, Fl. has a point system and you would get points on you license depending on the speed you were doing, I believe that 30 over gets you a reckless driving charge the insurance companies do check your driving record. Good Luck and Happy Camping
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Old 12-20-2017, 06:24 PM   #4
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In CA you can go to traffic school and it does not go on your record.
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Old 12-20-2017, 06:26 PM   #5
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Lot of variables in particular who is insurance carrier. Got a ticket February 2015 for doing 79 in a 65. Neither USAA (daily drivers) or Progressive (Coach) raised my rates.

And now the rest of the story,,, the ticket was for going 81, 16 over, which put me into reckless territory. Went to court, Judge knocked it down 2 MPH but increased the fine to a bit greater than what a first time reckless would have cost me. Needless to say I thank him and didn't wait around for him to change his mind.
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Old 12-20-2017, 06:31 PM   #6
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60 in a 45 zone. Looks like Traffic school for me.
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Old 12-20-2017, 06:35 PM   #7
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Likely yes, unless you have a program to keep the points off your license.
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Old 12-20-2017, 06:44 PM   #8
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I got one in the car headed to work one morning about two years ago. I was approved for driving class, which I could do online in Knox County instead of going to a classroom. After successfully taking the class and passing the test, the results were forwarded to the Count Clerks office and I was assessed the fine...minus court costs. It was also not put on my records....so no points and the insurance company would not see anything is they run a report. The important part is that some insurance companies will drop you after even one speeding ticket, and even if they don't drop you, you will almost certainly receive a "high risk" surcharge on your premiums for sometimes up to three years. That can amount to a substantial increase in your premiums for those three years.
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Old 12-20-2017, 07:06 PM   #9
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Quote:
Originally Posted by MikeO58 View Post
In CA you can go to traffic school and it does not go on your record.
This is the case. Yes your rates will go up if you do not do this and have the opportunity to do so. Insurance companies are just waiting for an opportunity to screw you out of more money. I did not have a moving violation for 22 years and got an excessive speed citation and up went my rates everywhere with every company. I had the choice for traffic school and I declined it, my choice and I knew the repercussions. 3 years later and I am back as a good ole driver.
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Old 12-20-2017, 10:23 PM   #10
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Sorry but I can't help you on this. The only one ticket I ever got was 43 years ago this month. The best solution is not to speed.
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Old 12-21-2017, 03:50 AM   #11
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Look into a Defensive Driving course. They offer them online and if I remember correctly, they remove points from your license.
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Old 12-21-2017, 04:06 AM   #12
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RELAX...........Better than getting pulled over while speeding through a school zone in your RV.
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Old 12-21-2017, 04:07 AM   #13
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I was involved in a rear end collision in my car. I was at fault, although when someone stops at a green light I would argue they should take some of the blame. However, I was still too close and did not react fast enough.

Michigan said if I took a course I could avoid the points and my insurance company said if there were no points then my rates would remain the same.

I researched all the online course and the one I chose was the Improv Driving Course.

Yep, the Improv, a comedy club, has an approved driving course. The course was fun and educational. It's approved in many states. If you go that route check it out. It was also one of the least expensive.
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Old 12-21-2017, 06:02 AM   #14
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In some areas they use speed cameras and mail you a fine. No points and nothing on your record. It is all about collecting money and they want you back as a customer.
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