Auto insurance rates can reflect your traffic conviction for years to come

If you’ve gotten pulled over in an upstate town and given a ticket for speeding or another violation of New York traffic laws, it may feel easier to plead guilty, pay a fine, and be done with it. Before you take that route, it’s worth thinking about how long a traffic conviction impacts your insurance rates.

After pleading guilty to a speeding charge, don’t be surprised to see a 25% hike for your next policy period. It could be less under some policies, or it could be much more if, for example. it wasn’t your first traffic conviction. The first conviction for most other moving violations won’t result in a premium hike on its own, A second conviction within 36 months crosses that line, and a rate increase should be expected.

That’s the key time period: 36 months, or three years. Multiply any increase by those three years to get an idea of the potential cost. Ask for a free consultation, and weigh that legal advice to decide if retaining professional counsel makes sense in your case.