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Traffic tickets can affect your insurance rates

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Many drivers do not realize the effect traffic tickets can have on their lives. Often, they are more complicated than just pleading guilty, paying a fine and being done with it. Aside from the risk of losing your driver’s license, your insurance rates could increase quite a bit.

The effect on your insurance is not immediate

The “good” news is that a ticket likely will not have an immediate effect on your insurance rates. Your auto insurance company probably does not check your driving record every month, but it almost certainly will when it comes time to renew your insurance policy.

If your driving record reveals traffic violation conviction, your insurance company may consider you a higher risk and charge you more. At that time, you could be in for a drastic change to your rates if you have a ticket or two.

Or perhaps not. For example, if you got only one speeding ticket and it is your sole traffic ticket ever, your rates may not go up by much, if at all. The bottom line is that, in many cases, traffic tickets are worth fighting. You may be able to get the charges reduced or thrown out.

Another way to minimize the blow

By taking a Point and Insurance Reduction Program class, you can see a 10 percent savings on your liability and collision premiums, and you can get four points subtracted from your driving record.

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James L. Riotto
Criminal Defense Lawyer

James L. Riotto is an accomplished criminal defense attorney serving clients in New York. With an extensive background in law enforcement and criminal prosecution, his approach to each case is unique and informed by years of experience with the New York criminal justice system. As a graduate from Albany Law School and before going on to start his own practice, James worked at the Albany County District Attorney's Office, where he helped prosecute many DWI offenses. His inside knowledge of the tactics used to gain convictions provides him with a particular advantage when defending against DUI and other criminal charges.

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  • lawyers
    5.0/5.0

    Having never received a traffic/speeding ticket, and as a busy professional not having the time to spend going to court to contest it, I did a fair amount of searching for a firm that would have the background and experience that could best represent...

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    Client

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    5.0/5.0

    I was referred to the Riotto firm by an out-of-town attorney My traffic case was professionally handled with an OUTSTANDING result, much better than I expected. I'm very grateful to the team at The Law Office of James L. Riotto and recommend them h...

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    John Cook

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    5.0/5.0

    I have worked with Riotto Law Firm several times and I have been pleased with the results they have been able to secure for me. They are professional and pleasant to work with and have saved me a lot of money and heartache with traffic tickets. I wo...

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    Mary Beth Ransom

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    5.0/5.0

    Mr. Riotto made me feel at ease from the start. He always had my best interests in mind and worked hard to drive the best possible outcome. His communication and professionalism were outstanding.

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    Client

  • google
    5.0/5.0

    I highly recommend this firm. Jim and his staff are extremely professional, and knowledgeable. Any question or concern I had, was addressed immediately. I was kept informed the entire process, and in a timely manner. Very impressive.

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    Elizabeth Messina

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