We have already given you the basic information about traffic tickets in Michigan. This article continues that discussion.
Getting traffic tickets in Michigan is not just about paying the penalty. Once you are pulled over it will already form part of your permanent record and it will affect not just your wallet or your finances at the time that you got caught but it would affect all of the other aspects of your life and drive in the state of Michigan.
With that in mind, we always want our readers to know about the effects of decisions that they should prevent.
Let us talk about the effects of getting traffic tickets in Michigan.
Auto Insurance Rate Hikes
One of the common effects of getting traffic tickets in the state of Michigan also includes our rate hike in your auto insurance.
If you would start accumulating a traffic ticket one after another then the insurance company would be allowed to increase your rates and in some cases, the insurance provider is even allowed by law to drop you as a client.
According to the Insurance Institute for Highway Safety (IIHS), when you are caught with a highway speeding ticket, you should expect a hefty increase in your insurance rate.
Based on a recent study, highway speeding has increased by 14%, and effort is being done to decrease this amount by increasing the auto insurance rate hike associated with highway speeding.
More often than not, the amount of increase that you will see after a speeding ticket in Michigan will be more or less at an average of 37%. The insurance companies will consider the severity of the speeding ticket as well as the past driving history of the individual when they are pricing the insurance premiums but they are very good in terms of ensuring that those who deserve to pay more premium will be required to pay more and those who just need to pay a small amount to learn a lesson will just be required to pay that small amount.
Can I still lower the premiums after it has been increased due to a speeding ticket?
Unfortunately, when you have had an increase in your auto insurance premiums you will need to have a period of at least two to three years for you to make sure that you will be able to lower your premium payments.
However in the two years that the driving points would still be on your record you have to accept that you cannot lower the premium because you have a speeding ticket on file.
Is there still a way to lower my premiums?
Yes, there will be a way for you to lower your premiums but you could not expect that it would be automatic and without a lot of effort on your part. The following are some of the ways that you can lower the premium payments that you make despite having a speeding ticket on your record.
Shop Around For Insurance Companies
One of the best ways that you can still lower your premium would be for you to shop around and ask for quotations coming from different insurance companies. Insurance companies already know what they have to offer in terms of the premium payments but you should not just stick to one insurance company if you think that you can go for a lower one.
In our experience, we recommend that our clients with speeding tickets or traffic tickets in the record look at other insurance companies and ask if they can provide a lower quotation. More often than not these insurance companies are still able to provide you with just a little bit of a lower premium. As long as you do not shop for a cheaper insurance policy that is not the same amount as what your original insurance provider has to offer you should be good to go.
Utilize All Possible Discounts
If you were not used to asking for discounts once you get a speeding ticket you would understand the importance of utilizing possible discounts and seeing to it. you lower your premium as much as possible.
Some insurance companies offer discounts when you bundle insurance products that they offer like home insurance in car insurance. As long as you were able to get from an insurance company that knows what it is doing you are in good hands.
Consider Your Car
If you are driving the same car that got you into the accident or that got you the traffic to get in Michigan you may want to consider getting a new car or releasing a new one for you to get a lower premium.
Were you pulled over in Michigan?
Now that you know some facts about getting traffic tickets in the State of Michigan, it is time to get down to it. If you require a lawyer who can assist you with ensuring that you protect your rights to your property, it is important to know that you also have a team that can help you out with your specific needs.
Our law firm is dedicated to making sure that those who are innocent will be protected by the law and the full extent of justice will be used.
Disclaimer:
The article that you have read is based on general applications of the law. It is not legal advice and it is not to be construed as any legal consultation with the firm. No client-attorney relationship is created when you read the articles we have provided.
Let us help you out.
If you need a lawyer to help you during your traffic ticket proceedings, call us immediately. Let us help you set things right.
The post The Effects of Getting Traffic Tickets In Michigan: Part Two appeared first on Haque Legal.