How A Traffic Ticket Can Affect Your New Year

The new calendar year will mean new beginnings for many of us. New habits, new opportunities, and new goals await in 2021. While we consider all of the great things we’re hopeful for, let us not forget to make sure that we take precautions. While the holiday season can feel a little different, the rule of the roads has stayed the same. The results of a traffic ticket can go in many different ways. Depending on your driving record, and insurance, a simple traffic ticket can haunt your whole year. Find out how long violations can potentially stay on your record and how we can help! 

Speeding Ticket And Your Insurance 

A speeding ticket can have some impact on your insurances all around. You may not realize it, but your car insurance, life, and homeowners insurance can all get impacted. They base their pricing mainly on the amount of risk they take on by issuing a policy out to you. Their risk assessment based on your previous behavior can mean higher premiums for you. 

When it comes to driving insurance, it’s typically based on your previous driving experience. You can most likely get a great deal after a period of time with a clean record. The time span to really see a difference ranges between three to five years. These timelines reflect the outcome for minor violations such as speeding and possibly parking tickets. However, larger offenses such as DUIs can go back as far as ten years. Also, a difference won’t get noticed until the next policy period when your insurance reviews your record. People under 25 are considered high-risk right off the bat, so don’t really look forward to lower prices for a good while. 

Out Of State Speeding Tickets 

Yes, these do still count. No matter where the violation occurs, it will make its way onto your record. Even if your license gets suspended out of state, it will reflect on your home state as well. Although some states may not even assign driver license points to convictions from out of state, this mostly applies to minor ones. Insurance companies, on the other hand, will definitely take a look at these convictions and take them into account when reviewing your policy. 

What Does A Ticket Do To My Record And Insurance?

In Texas, there are more than five types of driving records to consider. Through these, some will provide crashes, violations, or even just moving violations that have occurred recently. Parking tickets go in a different category altogether. They won’t have any real effect on your insurance or record since they don’t prove that you’re a risky driver. This doesn’t mean they can go ignored, though. The longer you wait to pay, the more that bill will go up. 

If you’re a first-time offender when it comes to a DUI, DWI, texting, and driving, speeding, or not wearing a seatbelt, you’ll probably see a bump in your insurance. Smaller violations will either not exist or come at a minimal amount. 

What Doesn’t Impact My Insurance? 

Insurers take moving violations into the most consideration. This means speeding tickets and accidents. Tickets that have overturned or expunged won’t affect your rates no matter how much time has passed. 

How To Reduce Points 

You may have heard about points on your record. As these violations happen, points rack up on your license. Not only will a defensive driving course help, but it only helps with your insurance. The class also keeps you from losing your license. In Texas, it can, at times, altogether remove the points from your license. 

The Team At Luiz Yanez 

We’re ready to help defend you during any sort of traffic violation. Give us a call so we can begin reviewing your case and look for ways to dismiss or get you the best outcome possible. Knowing all the rules can get complicated, and sometimes life just happens. We focus on the facts, the situation, and clear communication to get you a fair outcome. Let us know how we can help you by calling us for a free consultation today!