We have all been there. That sinking feeling when you are cruising down the road and seemingly out of nowhere you catch a glimpse of red and blue light flashing behind you.

The thoughts start running through your mind. What’s the speed limit? How fast was I going? Are they following me or someone else?

We have all felt the feeling of utter defeat when we realize they are in fact pulling us over. Talk about a sad ending to your car karaoke show.

Turns out the officer doesn’t have much sympathy for drivers speeding, and you get handed a speeding ticket.

As you drive home, following the speed limit, of course, you start to wonder. How will I tell my spouse? How will we pay for this ticket? How will this affect my car insurance?

This is one of the most commonly asked questions when it comes to car insurance and today we have the answer for all those asking.

How will a ticket affect my car insurance short term?

In many cases, a speeding ticket won’t affect your car insurance in the short term. Insurance companies usually don’t monitor or check your driving record until it is time for you to renew your policy. 

How will a ticket affect my car insurance long term?

With that said, in the long term, you may see your rates increase after a speeding ticket. When you go to renew your policy your insurance company will most likely raise your rates as you have shown you are a greater risk to insure.

How will multiple tickets affect my car insurance?

The more tickets you accumulate within a year or even a couple of years increase the likelihood that your insurance rates will start to drastically increase. If you receive enough tickets in a short time period it may even make it so you are uninsurable because you are just too big of a risk for any insurance company to insure. 

Car Insurance in Springfield, Ohio

Driving safely, which includes following the speed limit, is one of the best ways to keep your insurance rates low. For more on how you can save on Springfield, Ohio car insurance, Contact Link-Hellmuth Insurance today. 

And next time you’re tempted to ignore the speedometer, remember the long-term effects your car karaoke can have on your driving record and wallet.