Speeding Ticket
I just received my very first speeding ticket in Oregon for going 20 mph over the limit, and it’s $115. I’m 19 years old with a clean driving record, and I was only speeding to pass a slow-moving vehicle. Thankfully, the officer issued me the lowest possible fine. I’m quite anxious about this—how much should I expect my insurance rates to increase?
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Getting your first speeding ticket can be stressful, especially when you’re worried about how it might affect your insurance. Typically, a speeding ticket can lead to an increase in your insurance premium, but the amount can vary based on several factors, such as your insurance provider, your driving history, and the specific details of the ticket.
Since this is your first ticket and your driving record is clean, it might help to mitigate the impact on your insurance rates. Often, insurers will look at the context of the violation. In some cases, if you complete a defensive driving course, you might be able to prevent points from affecting your record.
It’s a good idea to contact your insurance company directly to ask how they handle speeding tickets and what kind of increase you might expect. Additionally, you can inquire about options to reduce the penalty or keep your rates from rising. Remember, being proactive about it can help you better understand your options!