How Speeding Can Affect Your Car Insurance Connecticut

Reader’s Question:

I got a speeding ticket here in Connecticut and I worry that it can affect my car insurance right away. Does this single traffic citation be a reason for my car insurance to go up?

Geoffrey

Greenwich, CT

Whether your car insurance in Connecticut will go up or not will depend upon the circumstances of the speeding ticket you were cited for. It will only have an effect on your car insurance if this is a serious violation and you get convicted for it. For instance, if you are found guilty (or plead guilty) for speeding and pay the necessary fine, the court will notify the Department of Motor Vehicles (DMV) in your state so that your violation will be put on your driving record. Your insurer can be aware of your moving violation if they check your motor vehicle record (MVR) when your car insurance is up for renewal.

Depending on the rating system of your car insurance provider, a particular traffic offense, like speeding, will have an effect on your car insurance premiums. For instance, that one speeding ticket you got could not have an effect on your premiums, but it would most probably remove any good driver discount that you have. But if your MVR shows that you have had a conviction for a moving violation in the past, then this traffic citation that you have now can be a reason for your car insurance premiums to go up.

Majority of the states let every insurer to establish their own rating system and make a decision which moving violations and how many offenses or accidents could have an effect on the car insurance premiums of their consumers. The insurers should file their pricing with the state insurance regulator to be authorized.