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Started By
Message
re: How much do speeding tickets affect your insurance?
Posted on 12/1/15 at 9:23 am to 911Moto
Posted on 12/1/15 at 9:23 am to 911Moto
Jesus you guys whine about speeding tickets more than any group of people I've ever seen. Stop speeding or stop whining.
FWIW, I consider it a surtax on the way I choose to drive and count on getting a couple a year. I guess it depends upon your insurer and how accurately these things get reported to your DMV (my license is Washington State, though I haven't set foot there in 7 years) but the impact is negligible. As in, I haven't noticed any change or seen speeding tickets cited as considerations in my premium.
DUIs, at-fault accidents, or reckless driving matter. Speeding tickets, not so much.
FWIW, I consider it a surtax on the way I choose to drive and count on getting a couple a year. I guess it depends upon your insurer and how accurately these things get reported to your DMV (my license is Washington State, though I haven't set foot there in 7 years) but the impact is negligible. As in, I haven't noticed any change or seen speeding tickets cited as considerations in my premium.
DUIs, at-fault accidents, or reckless driving matter. Speeding tickets, not so much.
1
Posted on 12/1/15 at 9:24 am to SG_Geaux
quote:
Slow the frick down maniac.
And miss the quarter finals in the regional 14-16 kung fu championships?
Not on your life, pal.
Posted on 12/1/15 at 9:28 am to Bacciagaloop
quote:Now that makes sense. I always assumed it was just lapse in what out-of-state agencies reported to the DMV that issued my license. I don't think I've ever spent too much time in the states in which my licenses were issued--I was in New York and Georgia for most my time with my La license, in Virginia, Florida, and Washington for most of the time with my Georgia license, and overseas and now back in Virginia/DC with my Washington license--which won't expire as long as I'm active duty.
Your insurance company will likely not know about the tickets. They won't be running reports on you, because you are already a client.
Posted on 12/1/15 at 9:34 am to 911Moto
quote:
I was in the flow of traffic on I-10 and saw the trooper pretty far ahead, so by reflex I slowed down.
You got a ticket for going 89 with your family in the car!!!.....AFTER SLOWING DOWN!!!.....and you want to argue how he caught you?????
Posted on 12/1/15 at 9:34 am to 911Moto
quote:
There is no such thing as a laser detector - you can detect radar but not laser."
Bull shite. My Passport 9500ix has a specific alarm for laser, and it detects it every time. I'm calling Bull shite - I think he pulled 89 out of his arse and did not laser me
I agree with him about laser to a degree.
You are right, you can detect it. But he is right because once you detect it you are already cooked.
Radar sends signal all over the place, thus why you can pick up blips early. Laser is a single beam aimed at one car only.
So you paid a lot of money for no early detection on laser
Posted on 12/1/15 at 9:34 am to 911Moto
quote:
I think he pulled 89 out of his arse
yet you got a ticket recently....
quote:
one for 90 in a 70
Posted on 12/1/15 at 9:35 am to MorbidTheClown
quote:
where you going in such a hurry?
Pelicans' practice facility tour. Running late.
This post was edited on 12/1/15 at 9:42 am
Posted on 12/1/15 at 9:37 am to 911Moto
quote:
cranked up Slayer on the stereo and didn't hear it.
Assuming you were on the way to a satan worshiping temple? Amirite?
Posted on 12/1/15 at 9:41 am to jpggpj
quote:
You got a ticket for going 89 with your family in the car!!!.....AFTER SLOWING DOWN!!!.....and you want to argue how he caught you?????
NO - which is why I'm calling bullshite.
I know that once your detector picks up laser, they already have you. And I don't mind paying tickets. On the first one, he got me. Once I quit head banging long enough to see the cop, I realized what that faint ringing sound being drowned out by Slayer was - it was my detector going apeshite. Fair game. He got me - I paid it with no complaints.
But this time I'm calling bullshite on 89, and I straight up told him I do not believe he lasered me. My detector would have gone off. I would have been caught at that point, but it would have been a legit speed. And every time I questioned something he said, he responded with one of those "tighten the lips so you give that straight-across not-a-smile-but-not-a-smirk thing" and nodded his head. Then pulled answers out of his arse like "laser detectors are illegal" and "laser detectors don't exist" (to which I answered, "How are they illegal if they don't exist?). I'm normally VERY polite to officers - my dad was NOPD for nearly 20 years - but this stop was straight up bullshite and I was pissed.
This post was edited on 12/1/15 at 9:46 am
Posted on 12/1/15 at 9:48 am to 911Moto
Why are you driving so fast with your family in the car with you?
Posted on 12/1/15 at 9:48 am to CherryGarciaMan
quote:
Unless you get into a wreck or switch companies, SF will not find out
After working for State Farm for a few years I know for a fact they re run MVR's at renewal. Granted, this is in TX so I do not know the procedures in other states. Yes, it cost money to run MVRs, but not nearly as much as paying out claims that risky drivers cause. Insurance companies gladly pay for MVRs to either nonrenew or increase premiums.
Posted on 12/1/15 at 9:49 am to Mr.Perfect
quote:My jammer disagrees with this
But he is right because once you detect it you are already cooked
Posted on 12/1/15 at 9:50 am to 911Moto
quote:
My Passport 9500ix has a specific alarm for laser, and it detects it every time. I'm calling bullshite - I think he pulled 89 out of his arse and did not laser me.However, if it's just going to make a minimal difference (couple hundred bucks) in my insurance, I'll just pay the damn thing. Insurance is State Farm, btw
FWIW, your detector is not going to detector laser in every instance if its sitting up on your windshield. LEOs generally aim at the front grill or headlights to get a reading. LIDAR (laser) guns produce a very narrow beam of laser especially at close distances. The farther away, the wider the beam becomes. Also, the 9500ix is not known to be the best of the best at detecting laser anyway. That category belongs to the Valentine 1 and even if it detected laser your toast since he has your speed already. In other words, a laser detector is basically a ticket notifier.
Posted on 12/1/15 at 9:52 am to 911Moto
(no message)
This post was edited on 12/16/15 at 10:01 pm
Posted on 12/1/15 at 10:11 am to SG_Geaux
Got one going 30 in a 20 on the West Bank yesterday. No, it was not a school zone. 
Posted on 12/1/15 at 10:25 am to Navytiger74
quote:
Jesus you guys whine about speeding tickets more than any group of people I've ever seen.
You want to go 100mph on an empty highway? Have at it.
The problem is that most speeders weave in and out of traffic to keep their speed and put everyone on the road in danger.
Posted on 12/1/15 at 12:39 pm to grif82
quote:
In other words, a laser detector is basically a ticket notifier.
This is correct
Posted on 12/1/15 at 12:51 pm to 911Moto
laser detectors can only detect the laser if they "see" it. Use the app Waze, it's much better at alerting you to poilce using laser.
Also anything over 80 and they will pull you over every time.
You can (and I do) pay a lawyer to get it reduced. I usually pay the lawyer $125-200 and never have to worry about it again.
Also anything over 80 and they will pull you over every time.
You can (and I do) pay a lawyer to get it reduced. I usually pay the lawyer $125-200 and never have to worry about it again.
Posted on 12/1/15 at 12:58 pm to StripedSaint
quote:
The problem is that most speeders weave in and out of traffic to keep their speed and put everyone on the road in danger.
If people didn't camp out in the left lane this wouldn't be an issue. People going slow in the left lane are a bigger threat.
While 85 mph or so sounds fast to us, in many parts of the country 80mph is the posted limit and in Texas it goes up to 85 posted. It's not That fast. Cars today have more control and better braking ability at speed.
90 in a 70 is fast, but it's not like he was really putting his family in immediate danger.
Use Waze, get a laser jammer, but always run waze all the time. It will save your arse.
Posted on 12/1/15 at 1:06 pm to 911Moto
quote:
My understanding is that a lawyer can usually plead it down to a non-moving violation or whatever.
Depends on the city/parish.
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