We have all been there. Your driving down the road, windows down, music playing, enjoying a nice summer drive when something catches your eye. Red and blue lights flashing in your rearview mirror.

Your heart starts to race as you check your speed and realize you were mostly likely going a bit too fast as you were lost in your car karaoke. 

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

You make your way home, knowing the punishment meets the crime and start to question, how will I tell my spouse? where will the money come from to pay for the ticket? And most importantly, 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 into 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. 

Now that you have clarity on how a speeding ticket can affect your car insurance, you may be coming up with other questions regarding the rules and regulations of how car insurance work. If you’re looking for clarity on your car insurance policy in the Springfield, Ohio area, our agents are here to walk you through each question.

So 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.