Most drivers know that points on your drivers license will cause your insurance premiums to go up. But how much of a hike has been up for debate. A recent survey conducted by Insurancequotes.com found that only 31% of drivers over 18 who received traffic tickets in the past year also experience a rise in premiums.
When you obtain a new car insurance policy, your insurer pulls a motor vehicle report (MVR). But if you are over 25, chances are that your insurer, which pays for every MVR it pulls, is not checking your driving records as frequently as your think. Unless you file a claim with your insurance company, it may not know about your ticket for years.
But it is better to be safe than sorry. A study by Insurance.com reviewed 490,000 insurance quotes from January 2009 through January 2011 in order to determine how traffic violations impact rate quotes and found that certain types of violations led to significant increases to premiums. Reckless driving impacted insurance premiums the most, with the average premium for a person with a reckless driving citation being 22% higher than someone with a clean driving record. A first offense DUI hiked up rates 19%. And just one speeding ticket caused premiums to rise up to 15% – pretty significant increases.
In Florida, the average car insurance premium in 2012 was $1654 per year. So one speeding ticket may raise your annual premiums up to $250.
Even if your insurer only pulls your MVR infrequently, if there are points on your record, your premiums may go up eventually. With such a significant rate hike looming, it never makes sense to simply pay a ticket since admitting guilt puts points on your driving record and in Florida, points are there to stay.
The lawyers at the Ticket Clinic have defended over 1 million traffic tickets in Florida, California and nationwide. We concentrate solely on traffic-related offenses, including DUI.
"I don't know how I can even say how greatful I am for the great work you did winning my case. So, all I can say is Thank you! Thank you! Thank you!, Thank you!, Thank you!!" Thomas J. 
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"I just wanted to say thank you! Your firm not only got all my daughters charges dismissed, but there were no court costs or even driving school! She had definitely gotten herself into some trouble and I cannot believe the outcome was this good!! Thank you again! I will recommend you to anyone that asks. I don't know if there are any website for reviews on law firms, but if there is let me know so I can say how excellent your firm is." Yelp User - 
"Wish I could rate them 10 stars..took care of ticket,cheaper than what the ticket would had cost, no points, no school, I am blown away, fantastic job done by these guys at a very reasonable price, sorry I can't give details because I am ashamed of my stupidity, luckily I learned my lesson and it was only a trap." Roberto C. - "I will use you time and time agian. Have recommended you to several family members and friends thank you so much I am very very happy with the outcome but I don't plan on getting any more tickets! Again thank you Ticket Clinic." Lisette R. - "They are just the best... From the people answering the phone (yes actual well spoken and courteous people) to the assistant that attended me when I visit their offices at South Dixie Highway and 22nd." Jamie C. - "The convenience is my favorite part! Entered my ticket online and paid. My ticket was $200+ ..They went to court for me and my ticket was dismissed. Emailed me confirming everything was taken care of and that was that! I do believe this is a case by case basis. I have a very good driving record so I'm happy I didn't have to waste my time with this. Highly recommend!" Kathy V. - "I just called them on the phone. I provided the information regarding my ticket which I felt was not my fault in an accident I was involved in. They took care of it and I didn't have to show up to court. No points, no ticket. Well worth what they charged me." George A. - "I was pleased to receive your letter of February 21, 2017 advising me that all charges against me were dismissed by the Court. I am very pleased how the Ticket Clinic handled my case. I definitely will recommend the Ticket Clinic to friends and neighbors should they be issued a traffic ticket. Many thanks again for solving my problem." Wolfgang H. - "In a world where people always seem to want to register complaints, I thought I would take a moment and register my extreme satisfaction with your company and especially for Miss T! She is extremely helpful, courteous, and knowledgeable and she is a pleasure to do business with!" Jeff M. - "Great Job!!!!! Keep up the great work.We are extremely impressed with your performance. :)" Lionel O. - "I wanted to thank you and your firm for the great job you did with my case. I'm extremely grateful that your firm worked so hard on my case to get it dismissed. I will definitely write an awesome REVIEW for the phenomenal work your firm did!!!" Elizabeth B. -
