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August 22, 2018 by Greg Underwood

Does Your Speeding Ticket Affect Your Insurance?

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A speeding ticket may not seem like that big of a deal, but it can result in extreme consequences. You may have to deal with hundreds of dollars’ worth of fines, and you can expect your auto insurance rates to increase. The reason for this is that by speeding, the insurance agencies view you as more of a risk. Therefore, you want to hire a speeding ticket lawyer promptly to keep the offense off your record, so you do not have to pay substantially more to insure your vehicle.

In the Short-Term

Even just a single ticket can impact your insurance. For starters, you will lose out on any safe driving benefits you received. Additionally, you can expect an increase when it comes time to renew your policy. Most insurance providers do not look at driving records every month, so you may not see an immediate increase, but when you need to renew in a few months, you can expect a raise.

In the Long-Term

Multiple speeding tickets will naturally cause your insurance to increase more. However, if you get too many points on your driving record, then it is possible your insurance provider will simply drop you as a client because you are too much of a liability. As you shop around for a new insurance agency, you may find that the rates offered are extremely high. You will need to consider the possibility of not being able to drive because there is no agency around to insure you.

The best thing to do after getting a citation is to hire a San Francisco speeding ticket lawyer immediately. If you keep the ticket off your record, then you may not have to worry about paying more in insurance. Additionally, by going to court, there may be alternative methods to keep your insurance provider happy, such as taking safe driving courses.

December 7, 2017 by Greg Underwood

Getting Deals On Car Insurance

We’ve all been there – desperately in need of renewing our car insurance but also seeking a deal or two to help us save a few pennies. It can be a pain in the neck to get car insurance in the first place, especially if we aren’t familiar with different policies, what we need, what we don’t need and all the rest of it. Not only that, but sometimes we can end up paying for things that we would never need in a million years but somehow get roped into it. So how can you make sure you’re getting the best deal and what you need without paying for something you don’t need? If you’re willing to take a look at a few different options you might get a deal on your insurance. Here are a couple great tips!

Know What You Need

Even if you aren’t an insurance salesperson yourself you will likely have some inkling of the things you need and don’t need in terms of insurance. Are you going off road, do you want legal cover, theft cover, breakdown, courtesy car and more? There are a number of extra options when purchasing car insurance, but do you really need everything? While some extra insurance coverage such as personal accident coverage is a great idea, not all the extra coverage will fit your life or needs, so be sure what you definitely need in the event of needing to claim.

Know How Your History Affects Your Premium

Your individual circumstances as well as driving history will affect your premium and coverage ability, so knowing how this works in advance is key to saving money on your insurance. Are you under a certain age, over a certain age, have you claimed in the past or are you driving a certain type of car? All of these things can affect your premium and your deductible so it’s a good thing to check and see how this will affect you. A good thing to note is that honesty is the best policy, and if you’re upfront and truthful about your previous claims, accidents and the like then you may find that companies will be more likely to work with you to find a quote that works for you.

Life Changes Affect Rates

It’s true. Being married isn’t just good for tax breaks, but you can actually get cheaper auto insurance too as married people tend to get in fewer accidents than singletons. Sometimes moving house can affect your rates too as if you move further away from your place of work then your risk of accidents increases and your rates along with it and vice versa for if you move closer. So be sure to take into consideration any changes in your life circumstances and how they can affect your insurance, you might be in for a surprise if you don’t!

So if you’re looking for a deal on your insurance, hopefully this article has helped point you in the right direction. With so many different ways to go about getting a deal these days these are the top common ways, but there are definitely other ways too. Check out the best ones for you and good luck!

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A Million Lives

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