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Pay now, pay more later

By Posted : 07/01/2015

Confused young woman (Photo: Insurance.com)Pay now, pay more later

That surcharge, or penalty, will hang around long after you forget why you were speeding that day in the first place.

“It varies by insurer, but a speeding ticket can affect your insurance premium for at least three years,” says Kristofer Kirchen, with Advanced Insurance Managers in Tampa, Florida.

Insurers are not automatically notified of a speeding transgression. Instead, they have to pull your DMV record, which costs them money.  “Most insurers will only pull your record once a year, even less if you have a clean record,” says Kirchen.

While you may not see a ticket surcharge for one or two renewal periods, inevitably your car insurance company will get wind of your moving violation.

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