points

Posted: Sat Jul 07, 2007 06:05 am Post Subject:

Hi, your insurance firm will surely increase the premium rate if you have the habit of collecting speeding tickets. :) But if it is your first, then they may overlook it this time. They have to follow state guidelines and can not increase the premium rate immediately after you receive a speeding ticket. However, you should consult your agent to get a better judgment on this matter.

Thanks,
Juanita

Posted: Sat Jul 07, 2007 07:28 am Post Subject:

Hi, State Farm normally doesn't increase the rate for a single speeding ticket. You will continue enjoying the discounts (if you have any). However, it is always better to avoid getting points than asking 'how will it affect my rates?'

Posted: Sat Jul 07, 2007 11:53 pm Post Subject:

The thing is I got this ticket for turning right on a red light, it was 1:00 am and i see nobody on left so i turn right and the cop hidden in dark pull me over for not completely stop at red light before turning right, it was 4 points and 210 fine cut in half only the fine not points. :(

Posted: Mon Jul 09, 2007 05:49 am Post Subject:

Hi Johnson,

Which state awards 4 points for a red light violation! In Pennsylvania, you receive only 3 points for it. So, please let me know, which state you reside. It will enable me to answer you in a better way.

Jess

Posted: Mon Jul 09, 2007 07:01 am Post Subject: non-compliance

Well my friend, lets assume that this has been a rare mistake on your part!
Let me also tell you that your company might just vary rates depending on the degrees of the aftermath!
But yeah, some may fix up a rate-increment strata for each level of non-compliance caused. That depends! Evan

Posted: Mon Jul 09, 2007 01:19 pm Post Subject:

South Carolina

Posted: Tue Jul 10, 2007 06:46 am Post Subject:

Hi Johnson,
In your case also my answer will remain the same. State Farm may overlook the points if it is your first offense. However, they will decide upon it after reviewing your driving record and claim history. If you have a clear driving record then your premium may remain the same. You should consult your agent to know the exact outcome.
However, if it is not so, then you might experience quite a big jump in your premium rate. You will also lose the discounts (if any) on premium, which you are enjoying at this moment. But, anyway, all these will not happen before the next renewal of your insurance. Even at that time you will get enough time to shop around if you feel the rates are too high.

Thanks and regards,
Juanita.

Posted: Sun Jul 22, 2007 12:31 am Post Subject:

alright, i got the payment from statefarm but my price remains the same, will it stay like this forever?

Posted: Mon Jul 23, 2007 04:03 am Post Subject:

My dear friend, there is nothing called ‘forever', as I have mentioned, AllState will review your driving record time-to-time and then will decide upon your premium rate. If you can keep your driving record clean enough, then it may remain the same for some-times to come. Otherwise, it may change. However, the premium rate also depends on the market. If there is an overall upward shift in the auto insurance premium rate, then you may also feel the heat.

Take care and stay with ampminsure.

Juanita

Posted: Wed Jul 25, 2007 01:44 pm Post Subject:

Juanita, what you are saying is if I keep my driving record clean from now on, statefarm will not increase my budget?