Home Financial responsibility How speeding affects your insurance in Kansas

How speeding affects your insurance in Kansas

0


It is not uncommon for a motorist to have a few speeding tickets on their driving record. But they can potentially have a negative effect on your insurance premiums, as any traffic incident on your record could make you consider a high risk driver. After a speeding in Kansas, the cost of your auto insurance may increase depending on your insurance company and the severity of the ticket. Whether you already have a speeding ticket on your record or are worried about what might happen if you receive one in the future, it is always helpful to be aware of the consequences that could follow a speeding violation. speed in Kansas.

How much does a speeding ticket cost in Kansas?

Exceeding the speed limit in Kansas is considered a moving offense and may result in state or local penalties. The cost of a speeding ticket in Kansas usually depends on exceeding the speed limit that you are traveling. While there is no point system used here, if you have more than three movement violations your license may be suspended and you may also need to appear in court. The cost of appearing in court varies depending on your exact location, but is generally around $ 25. The amount of fines you are billed can vary between $ 25 and $ 300.

The penalty you incur for speeding in Kansas largely depends on your record. If you have never had a previous conviction in your history, your fine may be less than that of a repeat offender. The third and subsequent offenses may revoke your license and require you to appear in court.

How much does a speeding ticket increase your auto insurance in Kansas?

Depending on the type of offense you are convicted of, the average cost of your insurance may increase. It also depends on your insurance company and your gender. Statistically, male drivers are more reckless on the road than female drivers, which means male drivers may see their premiums increase further after a speeding ticket in Kansas. Although underage, Kansas drivers see a slight rate difference by gender for those with a speeding ticket, based on annual premiums reported by Quadrant Information Services.

Age Average annual premium for full coverage before speeding tickets Average annual premium for full coverage after a speeding ticket % to augment
40 year old man $ 1,844 $ 2,185 18%
40 year old woman $ 1,800 $ 2,131 18%

If the premium rate increases after a speeding ticket, the exact amount of the increase will vary depending on your insurer, gender and driving history. Additionally, some insurance companies may forgive the first violation while others may not be so lenient.

How to reduce your auto insurance after speeding in Kansas

Even if you get hit with a speeding ticket, your fares may improve over time, or you may be able to find lower fares. Depending on the specific situation, the following methods can be used to get cheap insurance after speeding in Kansas.

Get quotes from other auto insurance companies

Some companies specialize in high risk insurance for those who are unable to qualify or afford coverage from standard insurance providers. If your current provider’s rates after speeding are too high for you after speeding, finding a better price may give you options. This is evidenced by the price differences between companies, even for the same level of coverage and a speeding ticket taken into account.

Auto insurance company Average annual premium for full coverage before speeding tickets Average annual premium for full coverage after a speeding ticket % to augment
Allstate $ 2,302 $ 2,681 16%
American family $ 1,766 $ 1,964 11%
Car owners $ 1,395 $ 1,574 13%
Electrical insurance company $ 2,909 $ 3,778 30%
Farmers $ 1,931 $ 2,416 25%
Iowa Agricultural Office $ 1,314 $ 1,505 15%
MetLife $ 2,270 $ 2,775 22%
Progressive $ 1,545 $ 1,979 28%
QBE $ 1,415 $ 1,755 24%
Automatic safe $ 2,260 $ 2,924 29%
Sentinel $ 2,836 $ 3,271 15%
Shelter $ 2,213 $ 2,648 20%
State farm $ 1,453 $ 1,688 16%
United States $ 1,176 $ 1,410 20%

* Premiums are the average annual premiums for full coverage for people 40 years of age

In addition to the cost associated with auto insurance companies, it is important to consider factors such as financial stability, claims satisfaction rate, coverage options, and third party ratings when switching providers. While finding better rates can be a priority for high-risk drivers, affordability is only one aspect of a good business to consider.

Increase your deductible

The amount of financial responsibility that you are comfortable with before your insurance payment is considered for a claim is called a deductible. The higher this amount, the lower your premiums will be, as it means your insurer has less financial liability at stake. While this is one way to get cheaper insurance, it is important that you make sure you have enough money to pay the deductible if you need to make a claim.

Reduce endorsements

If your auto insurance premiums are too high, talk to an agent about the coverage and endorsements you need for your financial situation. Keep in mind that while reducing coverage or endorsements may lower your insurance costs, it will also make you vulnerable to certain financial risks.

Other considerations for speeding tickets

A higher insurance cost is just one possible financial consequence of a speeding ticket. If this is your first offense, your pecuniary fines may be low, but if you already have other incidents in your history, you may be subject to a court appearance or be required to do construction work. general interest, in addition to paying a fine. Repeat offenders also risk having their license revoked. Fees must be paid for it to be reinstated.

Apart from these penalties, a speeding violation will also cause you to lose any good driver discounts you had on your insurance. After three years, or however long a ticket is on your record, you may be able to take a driving course and gradually lower your insurance costs with reductions again.

Frequently Asked Questions

What is the best auto insurance company for drivers with speeding tickets?

The best auto insurance companies are usually the ones that combine excellent customer service, affordable rates and discounts, a variety of coverage options, and favorable third-party ratings. If you can’t find coverage from regular insurance companies, you can also try comparing quotes from insurers that specialize in high-risk insurance. While fares can be higher with fewer endorsements, these companies are sometimes the only option for high-risk drivers.

How to get cheap insurance after speeding?

Switching to a cheaper insurance company, reducing coverage options, increasing your deductible, and consolidating policies are some of the ways you can save on insurance after speeding. After a number of years, when the speeding violation no longer impacts your driving record, you will likely be able to enjoy discounts and lower fares again.

How long will a speeding ticket stay on my file?

In most states, including Kansas, a movement violation remains on your record for three years. After this time, even if it is not permanently deleted from your history, it may stop affecting your insurance costs.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on male and female drivers ages 18 and 40 with good records driving, good credit and the following comprehensive coverage limits:

  • $ 100,000 liability for bodily injury per person
  • $ 300,000 in civil liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.

Incident: The rates were calculated by evaluating our base profile with the following incidents applied: clean criminal record (base), responsible accident, single speeding ticket, single conviction for driving while intoxicated and forfeiture of coverage.


LEAVE A REPLY

Please enter your comment!
Please enter your name here