Will a speeding ticket affect my husbands insurance if I am insured through a different company?

Question

Last year I got a traffic ticket for speeding. I am insured through AAA. We were only recently married and the car I drive is registered through my parent's name as they bought the car. I am not the primary subscriber and I am just down as a driver. My husband has his own car insured through State Farm Insurance. I realize that my own car insurance would be affected but would my husband's? We dont have the same last name, Im not on his insurance in any way other than perhaps a driver but even that I dont think we have updated.

We got a notification from State Farm that his rates will go up now because of my violation, in my own car, through my own seperate company.

Is this right? Can they do that? Does this mean that both AAA and State Farm get to raise the rate on me?

Answer 1

Yes, now that you're married your driving record (and credit history also) will affect his.  Yes, it's entirely possible both companies could raise rates.  

Why not decide which company you like best, and put both cars on to get the multiple car discount?

Answer 2

You live at the same residence, which means at some point you may have access to his vehicles.  In order for his rates not to be affected he would need to list you as an excluded driver on his policy.

State Farm can raise his rates, your rates with AAA have already been or will be at renewal unless you attend traffic school & present a certificate of completion.

Answer 3

If you are listed as a driver on his policy then yes they can raise the rate.. If you are not listen as a drivier on his policy then they cant raise his rates.

It doesnt matter how long after.. they still will use it against you.

I would do what someone else suggested and go on one policy and get the multi car  discount

Answer 4

As long as you are on his policy (if you are not, you can't drive his car cuz you live in the same house hold and would have to be excluded from the policy) it will affect it.

Answer 5

Are you listed as a driver on your husbands policy?

Your premiums are based on YOUR driving record, and the record of those who are listed on your policy.

If you are not on his policy, then his company should not charge him for a violation he never received.

If you ARE listed as a driver, then yes, the premiums for the policy will be adjusted to reflect Your ticket.

Hope this helps

Answer 6

Yes you are a driver living at the address of the insured.