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A speeding ticket will not always increase your auto insurance rate. For example, the insurer may check your driving record every 2-3 years. in those instances, you may have a few years of retaining specific discounts before there is a rate change. Of course, the carrier may check the record annually.
It is also possible the ticket has no impact on your rates. Each company is different with separate sets of underwriting guidelines.
When applying for a new policy, a recent ticket will have a bigger impact. Since the underwriting department bases your premium on your current driving record, it will likely impact the rate you are offered.
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It is also possible the ticket has no impact on your rates. Each company is different with separate sets of underwriting guidelines.
When applying for a new policy, a recent ticket will have a bigger impact. Since the underwriting department bases your premium on your current driving record, it will likely impact the rate you are offered.