I got two tickets, but my insurance went down?

Question

Within the last year, I received two moving violations (I live in CA) I was dreading my insurance bill, but I got it, and it actually went down both for my motorcycle and Jeep... How long does it take before the insurance company would get notified, and how long will it last?

One is a speeding 70mph in 65 .... (what a jerk)

The other is passing on the right shoulder. (On my motorcycle, it was an on-ramp, during rush hour in LA)

I'm 24... Had no tickets or accidents until this past year.

Answer 1

Many factors influence the costs of auto insurance. Your occupation, education, even the clubs you belong to can raise, or lower, your car insurance rates.

· Your Driving Record Your history behind the wheel will determine how much you pay for car insurance. Even minor traffic violations are seen as a sign of increased risk for the insurance company, which means increased costs for auto insurance for you.

· Where You Live and Drive Bigger city drivers can expect to pay more for their car insurance than motorists in rural or suburban areas. A state’s specific laws concerning auto accident injury liability can also have an impact on your premiums.

· What You Drive The car insurance industry uses crash test information and real world data to rate the safety a given vehicle. If you drive a car with a lower than average safety rating, you will pay more than average for auto insurance.

· Your Age and Gender Younger drivers and male drivers are considered more of a risk by the auto insurance industry. Cheer up; car insurance rates tend to fall after age 25.

· Other People If other people are on the car insurance policy with you, their driving record, credit history, age and gender can affect the premiums that you pay.