If I receive a ticket for speeding, is it also the same as being convicted?
New York, NY
Thank you for that question Jane.
No, a conviction is different from receiving a speeding ticket. When you receive a ticket, it only means that you have been cited for a certain offense. On the other hand, a conviction usually means that you have been found guilty of the certain offense. Those who have received a ticket, for instance a speeding ticket, will choose if he/she would plead guilty and get convicted of the offense, or fight the citation in court.
If you are a convicted drivers and your car insurance went up because of that, there are many ways that yo can do to lower your car insurance. The first thing that you can do is to shop for the cheapest car insurance for convicted drivers. In most cases, you will probably no longer get the cheapest insurance that you were receiving before the conviction, however, you dont have to pay more for car insurance either. When you shop around for car insurance, be sure to compare the same coverage for each car insurance companies based on your previous coverage. This way, you will know exactly how much you will be saving from your insurance. Also, one of the best things that you can do is to is to increase your deductible. This will not only help you avoid accidents, it will aslo tremendously lower your car insurance premium rate monthly.
Before buying any insurance, be sure to ask for any available discounts for you. Ask your car insurance agents.