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Donít Let Tickets Push Your Ford Truckís Insurance Premiums Through the Roof
When you shop for insurance for your Ford truck, one of the first questions youíll be asked is: "Have you had any moving violations in the last 3 years?" If the answer is 'yes,' you have a lot in common with many other driversóinsurance companies are going to try and charge you more for auto insurance.
But don't believe that a traffic ticket eliminates your hope of finding affordable insurance for your Ford truck. On the contrary, there are companies that specialize in insuring drivers with less than perfect records. But the only way to find those companies is to compare quotes online.
Tickets Can Linger on Your Record
In most states, traffic tickets remain on your driving record for three to five years. But don't expect insurance companies to automatically lower your premiums when an infraction falls off your driving record. If you havenít compared rates since a ticket fell off your record, youíre probably paying more than you have to.
Donít Forget Traffic School!
Depending on the nature of your violation, most states will allow you to attend traffic school to keep a ticket off of your record. When you have the opportunity to do so, take it. It could erase the ticket from your driving record.
Other Ways to Save After a Ticket
If a traffic ticket has sent your premium soaring, bring it back down to earth by following these tips:
* Raise your deductible: The higher your deductible, the lower your premium. It could reduce your comprehensive and collision premium by up to 40 percent.
* Multi-line discounts: Bundle your auto and home/renters insurance policies with the same insurer and save up to 15% on both premiums.
* Ask about discounts: Finding discounts for low annual mileage, anti-theft devices and safe vehicles are just a few ways to cut California auto insurance rates.
Shop Around and Start Saving Now
Although a ticket on your record will keep you from getting a good driver discount on your policy, you donít have to accept a high rate from your current insurance company. By comparing quotes at InsWeb.com, you can quickly find out if youíre paying more than you have to. Requesting quotes takes just a few minutes and all you have to do is fill out one simple form!
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