Will Getting A Speeding Ticket Warning Affect My Auto Insurance
Reader’s Question:
My license is from Portland, Maine, I received a warning for speeding in Massachusetts; will it affect my car insurance rates?
Victoria
Portland, ME
Massachusetts General Laws state that for motor vehicle infractions or violations a law enforcement officer may issue a written warning or citation. However, this section of the law does not say how a warning ticket will affect a MA or out of state driver. It does appear though the written warning is not at least in your MA record since it notes that 3 written warnings within a 12 month period may result in penalties.
Maine is part of the Drivers License Compact (DLC), which requires member states to report back convictions of traffic tickets to the state where the motorist is licensed, while Massachusetts is not. However, Massachusetts still has agreements with other states to exchange ticket information. It also notes that the licensing authority in the home state shall give such effect to the conduct as it is provided by the laws of the home state. However in your case it does not appear as if you would need to worry about this MA infraction going against your ME license since it was a warning and not a ticket to which you were convicted of.
Even if this had occurred in state, in my experience, in most cases a written warning does not normally affect your insurance because it does get sent to your record. There are exceptions where it can appear on you record, in those cases the infraction would affect your rates.
Cheap High Performance Car Insurance
Why should you pay more for high performance muscle car insurance? Could it be justified because you own a fast car, does that mean you are going to drive fast and reckless?
I know of many fast car collectors in this country and many of them do not really drive fast at all….heck their cars cost too much money to put in jeopardy driving like a mad man.
So does this mean that their car insurance carrier will give them the same low rates as a “normal” vehicle? Ya right my friend, think again.
I would assume that the vast majority of cases the insurance rates will be greatly higher for a muscle car than that of a regular whimpy vehicle. Could this be fair? Can one really expect to find cheap fast car insurance?
So how can a high performance car owner reduce your insurance rates?
- Carry the highest deductible allowed
- Move all other insurance plans to one company to take advance of combined coverage discounts
- Check for discounts like limited use or restricted use vehicles if you only drive on the weekends or at certain times of the year etc.
- Take defensive driving class or some other state offered driving program
- Clean up your driving record. Keep your record clean and clear of violations even when not driving in your fast car. Any and all violations will increase your rates regardless of what kind of vehicle you were driving in when you were giving the citation.
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