People who receive traffic tickets in Illinois understand that they can be expensive. Depending on the alleged traffic violation that occurred, the fine imposed by the state could cost as much as $2,500 if drivers exceed the speed limit by more than 35 miles per hour (mph). The minimum citation cost is $164.
For many drivers, paying the fine seems like the best option available. While it may temporarily put pressure on their household budget, paying the ticket may seem like a more cost-effective solution than trying to fight the citation. People consider the cost of legal representation and going to court and assume that paying the ticket is more affordable. However, people frequently underestimate the financial impact of traffic violations. Drivers need to consider the insurance implications of a citation before they pay a ticket that they’ve received.
Each ticket increases insurance rates
People with serious traffic infractions usually see a noticeable increase in their insurance premiums. Insurance companies decide how much to charge for coverage based on the likelihood of a driver causing a crash. Drivers who have had large claims recently tend to pay more for their coverage. Insurance companies charge more when they determine that a driver is at risk of causing a wreck that leads to claims in the future.
Even without causing a crash, a traffic violation is a warning of increased collision risk. Every ticket is likely to drive up insurance costs. Factors including a driver’s prior record, age and sex can influence the degree of risk that they represent for an insurance provider.
On average, a single traffic ticket is likely to increase insurance premiums for an Illinois driver by approximately 25%. Some insurance companies raise their rates more than others when drivers receive citations. Repeat offensive and more serious violations may produce more significant rate increases than low-level speeding tickets.
Drivers often assume that pleading guilty is their only option, but the reality is that many motorists can successfully fight tickets instead of paying them. Defending against a traffic citation often requires careful planning and the assistance of a professional. Responding assertively to an Illinois traffic ticket could help a driver keep their insurance costs manageable.
