Do camera speeding tickets affect insurance in Georgia? This is a common question among drivers who have received a speeding ticket via a camera. In this article, we will explore how camera speeding tickets can impact your insurance rates in Georgia and what you can do to mitigate the potential increase.
Speeding tickets, whether issued by a police officer or a camera, are serious infractions that can lead to a variety of consequences, including fines, points on your driving record, and increased insurance premiums. In Georgia, the state has been using automated enforcement cameras to catch speeders since 2007. These cameras are placed in areas with a history of high-speed violations and are designed to help reduce accidents and save lives.
Impact on Insurance Premiums
When it comes to insurance, camera speeding tickets can have a significant impact. Insurance companies consider a driver’s driving record, including any traffic violations, when determining insurance rates. A speeding ticket, especially if it is for a high rate of speed, can lead to an increase in your insurance premiums.
How Insurance Companies View Camera Tickets
Insurance companies typically treat camera speeding tickets the same as those issued by a police officer. The reason for this is that both types of tickets indicate a lack of attention to the speed limit and an increased risk of being involved in an accident. Therefore, insurance companies may view these tickets as a red flag and adjust your rates accordingly.
Factors That Influence Premium Increases
The severity of the speeding violation and your driving history will play a significant role in determining how much your insurance premiums will increase. For example, if you receive a ticket for speeding 20 mph over the limit, your insurance rates may increase more than if you were caught speeding 5 mph over the limit. Additionally, if you have a clean driving record with no previous violations, the increase may be more substantial than for a driver with a history of traffic tickets.
What You Can Do to Mitigate Premium Increases
If you receive a camera speeding ticket in Georgia, there are a few steps you can take to mitigate the impact on your insurance premiums:
1. Take a defensive driving course: Some insurance companies offer discounts for drivers who complete a defensive driving course. This can help offset the increase in premiums.
2. Shop around for insurance: Compare rates from different insurance companies to see if you can find a better deal.
3. Consider increasing your deductible: A higher deductible can lower your monthly premiums, but make sure you can afford to pay the deductible if you need to file a claim.
Conclusion
In conclusion, camera speeding tickets in Georgia can indeed affect your insurance premiums. While the impact may vary depending on the severity of the violation and your driving history, it is essential to be aware of the potential consequences. By taking proactive steps to mitigate the increase, you can help protect your wallet and maintain affordable insurance rates.
