Question about citations 3 yrs later

[Jagermeister]

Well I checked 2 things. First, the ticket I thought cleared hasn't. It's from the date the ticket was resolved in court, not the date of issuance. So the increase in my policy was caused by their forumula for rates in this area (per Progressive).
I called Geico and Progressive to ask how long they go back in your driving record, and both said 3 years.

They also told me if I combine my 2 bikes, auto, and homeowners, I would get a big discount. Looks like my insurance costs will be going down pretty significantly in the second half of this year!!! :clapping: :yahoo:

Most companies rate by Zip Code, so the best premium 10 miles from you may not be the best premium in your hometown. Since each company's filed rates are specific to your area, and so many other factors are used to calculate premium, each rider must shop for themself to find the best fit.

That being said, Geico premium is half as much as Progressive, for me.

 

[keithaba]

From what I understand, tickets clear from you driving record in 3 years.
I was curious if anyone has ever had a ticket, then 3 years from the date, their insurance went down?

Did you have to call to get a new quote? Did you switch companies?

The reason I ask is two-fold. First, I have a speeding ticket from that just went over 3 years ago. Recently, my insurance went up??? I was expecting it to go down because that ticket had cleared.

2nd, I have a wreckless driving charge (don't ask) that goes away this year. After that, no tickets in 3 years. I can't comprehend my insurance not going down. I pay 1017.60 with bare minimums. No collission, minimum liability.... From what I've seen, most (with clean driving records) are paying way less with collision.

I expect the rates should sharply drop once the wreckless driving charge clears. Any info, suggestions.... apreciated!

Yes! My insurance company (Progressive) automatically reduced my fees after three years (from an accident). Funny, when I added up the cost of the get-off and compared it to the additional fees of a raised insurance rate, it was all about the same. Looks like the insurance co. stay ahead of the game this way.

I'd shop around to other insurance companies for quotes, then call your insurance company and have them give an explanation for the increased rate. If you don't like it, then tell them you'll leave if they are unwilling to compete.

Roger, good info!

Re: Costs of increased premiums: Many times over 3 years, the hike of your premium ends up costing you more than if you paid out of pocket, however, some people have totaled their bike and their premium didn't even go up??? I don't know what the hell they do for calculating insurance premiums, but whatever it is, it is far above my mathmatical abilities!

 

[Bounce]

As to your original question, wouldn't it depend mostly on your insurance company as to when they erase priors? You could always just call them up and ask 'em.

As Tony Soprano would say, "Use an outside line." Ask it as a general question and don't identify yourself. Ins companies have been known to tag your account with a claim for just calling and asking about if you should file a claim.

 

[Scab]

...however, some people have totaled their bike and their premium didn't even go up???

Hey, that would be me! I had State Farm for about 2 weeks when I totalled the feej. They also paid me more for the bike than I paid for it new.

But, all this is individual by company. Some adjust on time, some wait for the renewal date. It is also true that some adjust premiums according to credit rating while some don't even take the score into consideration.

I have been happy with my local agent. I can call and ask questions and have not seen any "tagging" or other consequences on their part. Just one of the benefits (maybe) to having a local agent vs. an 800 number with no local persons.