Michelle Rawson has just moved from a small town to Chicago

It is necessory to furnish all information before taking a car insurance. If not, Michelle Rawson will get so many troubles. She may wonder whether speeding tickets affect your insurance. The answer is likely yes, speeding tickets may increase the amount you pay for car insurance. Speeding tickets are considered part of her driving record. Insurance companies can check her driving record, and they may use the information to help determine your risk of having an accident or making an insurance claim. The perception that she is at higher risk of an accident because of traffic violations on your driving record may affect the cost of your insurance.

Drivers who receive speeding tickets may be considered a higher risk group, and therefore be charged more for auto insurance even if they haven't made a claim themselves, says the National Association of Insurance Commissioners. And she has two speeding tickets before, which is treated as risky behavior, such as a high number of moving violations, her insurer may even decide not to renew your policy, says the III.

The amount that her insurance will increase after a speeding ticket varies between insurance companies. Some factors that will be taken into consideration by the agent that include:

• Her prior driving record
• Whether the ticket was a first offense
• Amount of time since her last moving violation
• How many miles per hour she was going over the speed limit
• Location where the violation occurred

Besides potentially raising car insurance rates, a speeding ticket may affect car insurance in other ways:

• Less cost reduction over time.
  Getting multiple tickets or traffic violations may cause her to miss out on cost reductions on her insurance. In general, the III explains, more experienced drivers are likely to pay less for auto insurance. However, speeding tickets and a poor driving record might reduce or even eliminate any benefit you might receive from gaining driving experience.
• Loss of standard coverage.
  If her record of accidents and traffic violations is serious enough, she may not be able to find a private insurance company that will offer her auto insurance coverage at all, says the III. If traditional insurance companies will not offer you coverage due to traffic tickets or other violations, she may be able to get insurance through a state-run risk plan. Check with the state's department of insurance to learn whether a risk plan (sometimes called an assigned risk plan) is available where her live.

WHAT SHE CAN DO TO HELP REDUCE PREMIUMS AFTER A TICKET

If she has received a speeding ticket, there may be things she can do to help lower the cost of auto insurance.

• Focus on safe driving.
• Consider changing your coverage.
• Take a safe driving course

Speeding tickets may affect the cost of her car insurance. Insurers may check driving records, and they may consider drivers with speeding tickets a greater insurance risk. That can increase premiums for drivers even if they haven't made a claim. One good way to enjoy affordable premiums is to drive carefully and responsibly, and stay safe on the roads.