Will My Premiums Increase?
I recently received a ticket in Minnesota for violating the hands-free law by texting at a red light (I realize that was a mistake). I’m curious if my car insurance rates will rise if I choose to plead guilty and pay the fine. Any insights or advice would be greatly appreciated! Thank you!
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It’s understandable to be concerned about how a ticket can impact your insurance rates. In Minnesota, a ticket for violating the hands-free law is considered a minor violation, but it can still potentially affect your insurance. If you plead guilty and pay the fine, the violation will likely appear on your driving record, which could lead to an increase in your rates.
Insurance companies typically look at your driving record when determining your premiums, and any convictions can be a factor. However, the exact impact can vary depending on your insurance provider and your overall driving history. Some insurers may be more lenient with minor violations, while others may raise rates as a precaution.
It might be a good idea to contact your insurance company directly to discuss your situation and see how they handle such violations. Additionally, you might want to consider taking a defensive driving course, as some insurers offer discounts for completing such programs.
Ultimately, staying informed and proactive can help you manage the potential repercussions of the ticket. Good luck!