Affect of single speeding ticket on car insurance

[holden]

I remember it used to be the first ticket after X many years did not affect your insurance premiums. Is that still the case? I've been with TD MM a long time, got my first ticket in 6+ years. Wondering how it will affect my insurance. Luckily my yearly renewal is right now, so at least it won't hit me until a year from now.

[ExtraSlow]

Not exactly an answer, but most insurance companies don't pull your abstract every year. So it has zero effect until they do that, and maybe zero after too.

[shakalaka]

If they are just doing a regular renewal without any changes in your policy, companies don’t usually pull abstracts. They can but typically don’t until you purchase a new car or add a different one etc. So you should be fine. They go by 3 years and after that time period they don’t care.

But if they do and see a recent speeding ticket the difference can be 20% or so. My brother’s insurance went up $200 a year after they discovered a ticket on his abstract from last year when he put on insurance for a new car.

[ExtraSlow]

Probably depends a lot on age and other factors too.

[holden]

Thanks. I wonder if there is a way to force them to pull the abstract now (while it isn't on my record), thus increasing the chances they don't pull it within the next 3 years? lol. Maybe I can phone them and ask if there are any tickets on my record.

[ExtraSlow]

Also, EFFECT.

[speedog]

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Also, EFFECT.

OP's usage of affect is correct if that's what you're referring to.

[Inzane]

It's been a while since I've had anything on my abstract. But back when I was 24-25 and getting more than a few tickets, I was up on it then. If I recall the first ticket was treated like a freebee. Get your 2nd ticket though and DING your rate goes up by xx%. And then subsequent % for each after. (I can't recall but I think 3 tickets meant a +25% premium) But if you had 4 or more within 2 years, regardless of demerits, you were in some deep do-do with insurance, at risk of getting dropped.

This was 20 years ago though. Not sure how much has changed.

[ExtraSlow]

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OP's usage of affect is correct if that's what you're referring to.

Shit you are right. that has the effect of making me look stupid.

[speedog]

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Shit you are right. that has the effect of making me look stupid.

In an effectionate way?

[rx7boi]

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OP's usage of affect is correct if that's what you're referring to.

Actually, he's correct about the incorrect usage in the title.

"(The) Effect of having a ticket on insurance premiums."
"How does having a ticket affect my insurance premiums?"

[rage2]

I'm affectively confused who's right.

[Disoblige]

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OP's usage of affect is correct if that's what you're referring to.

Nuh uh.

[dirtsniffer]

i never can figure out it out actively avoid using the words

[ExtraSlow]

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i never can figure out it out actively avoid using the words

I thought I knew. But now. Confused.

[msommers]

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Actually, he's correct about the incorrect usage in the title.

"(The) Effect of having a ticket on insurance premiums."
"How does having a ticket affect my insurance premiums?"

This is correct.

[jwslam]

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i never can figure out it out actively avoid using the words

Also avoiding punctuation.

[ShermanEF9]

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I'm affectively confused who's right.

I'm defiantly confused.

[dirtsniffer]

You could probably figure it out if you cooperated