Does failure to stop at red light increase insurance rates?

bringsmewomen · 07-01-2010, 12:36 AM

I'm guessing yes since it's a moving violation? If so, by how much?

Should I go for traffic school? What's the experience like? I've never had anything on my record before.

CollinsE90 · 07-01-2010, 12:38 AM

There was a company that started in 1998 called google. Pretty cool idea that consists of typing in questions, and answers tend to be there with one click

MAZNG · 07-01-2010, 10:29 AM

And it also serves to clarify F-ups by retentive a-holes, no pun intended of course

BTW, Google actually received their first funding in '98 but began in January 1996 as a research project by Larry Page and Sergey Brin.

OP: I lived in SoCal for most of the 90's and received two tickets during that time. I took one of them to court and won because the officer did not show so it was dismissed. However, I have yet to receive me $160 refund. Bastards..

I didn't want to take my chances with the 2nd so I took an on-line traffic school and had the adjudication withheld (no points). My insurance company did NOT hold it against me and did NOT raise my premiums.

If you have the time to take it to court, do that as you have a good chance of getting dismissed. If the officer shows and he has recollection of your particular stop, you can always change your plea to No Contest and request traffic school to avoid the points.

I've even asked officers just before court starts if they would consider cutting me a break as I'm a good driver/ family man, etc... It's worked twice! You really have nothing to lose. Most cops are regular Joes and decent people. Just need to relate to him and be very courteous as well as remorseful (as in you learned your lesson, etc.) GL!

JCtx · 07-01-2010, 12:06 PM

If it's your first ticket on your record, even if uncontested, shouldn't alter your rates at all. But since we're talking insurance companies, you never know. Just shop around on your next renewal and ask if that ticket is affecting your rates, so you know. You should always shop around if there's ANY change, from tickets to accidents to adding/deleting drivers (especially teenagers). Before I had to add my teenage daughter I had the best rates with 21st century, but it became the worst with my daughter in; go figure. Now I have Geico. Good luck.

bosstones · 07-01-2010, 12:56 PM

If you're talking about a red light camera, no. If you were pulled over by an officer, yes.

PCGuRu2K · 07-02-2010, 09:00 AM

Quote:

Originally Posted by bringsmewomen

I'm guessing yes since it's a moving violation? If so, by how much?

Should I go for traffic school? What's the experience like? I've never had anything on my record before.

I believe my premium went up by hundred something the last time I got a red light ticket. And that was on Geico

Bartman619 · 07-02-2010, 06:28 PM

wife just got a red light ticket in San Diego..$500.00...and yes she has to take a Traffic School Class so our insurance doesn't go up. Hope this helps.

Bartman619 · 07-02-2010, 06:30 PM

Online traffic school is easy...you can take the test as many time as you can, and you can be don in about 2 hrs if you're good.

Fupa92 · 07-02-2010, 06:57 PM

I actually got a ticket last year for failure to stop at a red light (was making a left turn when light was yellow *turning* red. My Insurance company Geico told me it was noted on my record but they have a one time ticket and accident forgiveness policy so I'm off the hook for another two years until it goes away.

07-01-2010, 12:36 AM	#1
bringsmewomen Lieutenant 262 Rep 484 Posts Drives: e90 Join Date: Mar 2006 Location: CA iTrader: (0)	Does failure to stop at red light increase insurance rates? I'm guessing yes since it's a moving violation? If so, by how much? Should I go for traffic school? What's the experience like? I've never had anything on my record before.
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07-01-2010, 12:38 AM	#2
CollinsE90 Where my bitches 784 Rep 1,924 Posts Drives: Cadillac coupe deville Join Date: Mar 2009 Location: street corner checking profits iTrader: (0)	There was a company that started in 1998 called google. Pretty cool idea that consists of typing in questions, and answers tend to be there with one click __________________
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07-01-2010, 10:29 AM	#3
MAZNG I found Jesus...He was Hiding behiind my Sofa 73 Rep 957 Posts Drives: '15 MW F82 Join Date: Jun 2006 Location: SoFla iTrader: (14)	And it also serves to clarify F-ups by retentive a-holes, no pun intended of course BTW, Google actually received their first funding in '98 but began in January 1996 as a research project by Larry Page and Sergey Brin. OP: I lived in SoCal for most of the 90's and received two tickets during that time. I took one of them to court and won because the officer did not show so it was dismissed. However, I have yet to receive me $160 refund. Bastards.. I didn't want to take my chances with the 2nd so I took an on-line traffic school and had the adjudication withheld (no points). My insurance company did NOT hold it against me and did NOT raise my premiums. If you have the time to take it to court, do that as you have a good chance of getting dismissed. If the officer shows and he has recollection of your particular stop, you can always change your plea to No Contest and request traffic school to avoid the points. I've even asked officers just before court starts if they would consider cutting me a break as I'm a good driver/ family man, etc... It's worked twice! You really have nothing to lose. Most cops are regular Joes and decent people. Just need to relate to him and be very courteous as well as remorseful (as in you learned your lesson, etc.) GL! __________________ ///M South Car Club on Facebook
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07-01-2010, 12:06 PM	#4
JCtx Major General 274 Rep 5,018 Posts Drives: No BMW yet Join Date: May 2008 Location: El Paso TX iTrader: (0)	If it's your first ticket on your record, even if uncontested, shouldn't alter your rates at all. But since we're talking insurance companies, you never know. Just shop around on your next renewal and ask if that ticket is affecting your rates, so you know. You should always shop around if there's ANY change, from tickets to accidents to adding/deleting drivers (especially teenagers). Before I had to add my teenage daughter I had the best rates with 21st century, but it became the worst with my daughter in; go figure. Now I have Geico. Good luck.
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07-01-2010, 12:56 PM	#5
bosstones Lieutenant Colonel 1245 Rep 1,596 Posts Drives: o_0 Join Date: Mar 2008 Location: Suburbia iTrader: (0)	If you're talking about a red light camera, no. If you were pulled over by an officer, yes. __________________ - Jeff bosstones' flickr
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07-02-2010, 06:28 PM	#7
Bartman619 Captain 25 Rep 701 Posts Drives: Bimmer Join Date: Jun 2008 Location: SDCA iTrader: (2)	wife just got a red light ticket in San Diego..$500.00...and yes she has to take a Traffic School Class so our insurance doesn't go up. Hope this helps.
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07-02-2010, 06:30 PM	#8
Bartman619 Captain 25 Rep 701 Posts Drives: Bimmer Join Date: Jun 2008 Location: SDCA iTrader: (2)	Online traffic school is easy...you can take the test as many time as you can, and you can be don in about 2 hrs if you're good.
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07-02-2010, 06:57 PM	#9
Fupa92 Do you FUPA? 15 Rep 148 Posts Drives: E92 M3 Join Date: Feb 2010 Location: Honolulu iTrader: (0)	I actually got a ticket last year for failure to stop at a red light (was making a left turn when light was yellow turning red. My Insurance company Geico told me it was noted on my record but they have a one time ticket and accident forgiveness policy so I'm off the hook for another two years until it goes away.
	Appreciate 0 Quote