What will happen if I just pay a speeding ticket?

Question

I am 24 years old. Live in Missouri. Got a speeding ticket 44 in a 30. First ticket i have ever had. Will this affect my insurance?

Answer 1

you will get a couple of points on your license.... and insurance may go up a couple bucks but not much (if you had been going 20+ over.... you would be paying a lot more).
but good news is that when you turn 25 your insurance goes down anyways.

Answer 2

Yes, your insurance should increase. Usually once a year your insurance company checks your driving record for accidents & moving violations. Since you got a speeding ticket, that will count 1-2 points on your record. The point scale is what the insurance company uses to justify your premium rates. Since you are under 25, and now have a ticket, i would expect your rates to increase 25-40%. Tickets also stay on your driving record for 3 years. So dont get anymore, and let this one fall off in 3 years.

While some insurance companies (although very rare) give a 1 time "mulligan" of sorts for a ticket, I would not gamble on that. All you need to do is call your insurance company and find out.

Remember that just paying the ticket w/o going to court is entering an automatic Guilty Plea. You may have a chance of lowering the ticket to a 1 pt from a 2pt by going to court and pleading "no contest".

Answer 3

for your first offence a lot of states allow you to take a driving class and erase it from your record. classes can be pricey, but i would absolutely not reccommend you get a lawyer for it because for minor traffic violations the flat rate usually starts at $500 for representation. Class tops out at about 100 i think but in the long run you will save money on insurance. For a minor speeding ticket your insurance wont go up too much and if you're 24 your really only a year or 2 from getting out of that dreaded 18-25 age range for young driver risk. Your insurance company will find out either way but the class will drop points from your record and insurance companies like that. Some companies even give discounts for taking the class.

Answer 4

You will accumulate points on your license that could raise the insurance rates on any car that has you listed as a driver.

I worked for a couple of years as a police clerk. Some of our officers would reduce speeding charges to a non-moving violation if the defendant agreed to pay the fine rather than contesting it in court. You might call the number on the ticket and ask the clerk who answers whether the officer who cited you ever agrees to deals like that.

Be at your best--if you upset ANYONE in the process, the deal will likely go down the drain. DON'T ask for a reduction of the fine amount.

Answer 5

It won't effect it much. Most carriers give discounts for driving without tickets or accidents you might be passing up a couple of hundred bucks for a year. Get three and you really impact your insurance, you won't be able to switch carriers and the chances are good that your account will be reclassified into a more risky (expensive) bracket. Get 5 and your regular carrier will discontinue your policy and you'll have to pay thousands for the right to use our highways.

Answer 6

I am sure not...If you,
Take a Defensive Driving Class and will be of your record...If is your first ticket.

So it won't affect you insurance at all.

But if you pay the ticket with out taking defensive driving them it will show in your record so.


I done that before...
Of course you have to go to the court house etc. And see where or they will tell you where to take defensive driving and you have to pay some money...That amount is almost the same amount of the ticket cost...And defensive driving is about $25.00 so the court house and the defensive driving total is almost the same amount of the ticket...But remember if yo take defensive drving it will go away the ticket so. It won't show in your record...
I done that before and is off my record...

Answer 7

Yes. Slow down. Another 1 mph faster, and you'd be in a whole new category of 50% over the limit.
Since this is your first ticket, you may want to consider pleading no contest and asking the court for leniency.

Answer 8

Pay your ticket, take your points, stay out of jail. Probably won't affect your insurance unless you start collecting tickets as a hobby. I tried that hobby once ... it's gets expensive fast, so I found the cruise control setting.

Answer 9

My advice is to go to a traffic school and pay the ticket.

Answer 10

i love lollipop's answer
i think speeding tickets show on your record regardless, depending on your insurance they might let your 1st ticket slide by, well only for the 2st ticket though :P