Will My Insurance Rates Increase?
I recently received a ticket for violating the hands-free law in Minnesota for texting while stopped at a red light (I realize that was a mistake). I’m curious if my car insurance rates will rise if I plead guilty and pay the fine. If anyone has any insights or advice, I would greatly appreciate it!
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It’s understandable to be concerned about how a ticket might affect your insurance rates. In Minnesota, receiving a ticket for a violation like texting while driving can potentially lead to an increase in your car insurance premiums, especially if you plead guilty and pay the fine. Insurance companies typically review your driving record, and any violations can be seen as an increased risk.
The impact on your rates can vary based on your insurer’s policies and your overall driving history. If this is your first ticket and you have a clean record, the increase might be minimal. However, repeated offenses or a history of violations could lead to a more significant increase.
To get a better idea of how this might affect you, consider contacting your insurance provider directly. They can give you more specific information about their policies regarding tickets and possible rate increases. Additionally, some companies offer forgiveness programs for first offenses, so it might be worth exploring your options. Good luck, and take care on the road!