Expense etiketine sahip kayıtlar gösteriliyor. Tüm kayıtları göster
Expense etiketine sahip kayıtlar gösteriliyor. Tüm kayıtları göster

12 Kasım 2014 Çarşamba

Is legal costs cover worth the expense?




Who would foot the bill if another driver crashed into you, injuring you and making it impossible for you to work?


Or if you had to pursue the other driver’s insurer through the courts to recoup money spent on taxis or hiring a vehicle while your car was being repaired?


Your car insurance might – but only if you’d taken out legal expenses cover as an add-on to your policy.



34bf9 car insurance policy


So should you pay extra to add this type of insurance to your annual motor policy.


Let’s take a closer look at the reasons for and against…


What is legal expenses cover?


The legal expenses cover you can buy alongside car insurance is designed to cover legal bills that could arise from the use or ownership of your vehicle.


Circumstances that could result in legal costs include


  • having to take action against another road user for negligence, or

  • needing to defend yourself against accusations made by another driver.

Legal expenses cover can also be taken out as an add-on to a home insurance policy, in which case it typically covers legal proceedings relating to your home, your employment, your death or personal injury and the supply of goods or services.


Insurer LV estimates that 40% of its customers choose to add this type of cover to their home insurance policies.


Whether it’s an add-on to car or motor cover, the maximum you can claim is usually limited to say £50,000 or £100,000.


How much does it cost?


The cost of adding legal expenses cover to your car insurance policy is generally around £20 to £25 a year.


Some deluxe policies offer it as standard for no extra charge.


When you’re shopping for car insurance, make sure your final quote does not include legal expenses (or any other add-on) unless you actually want it.


You might have to untick a box if you decide you don’t need the cover.


What are the advantages?


The cost of legal proceedings can be huge. So taking out legal expenses cover would prove a very worthwhile move if you needed to take legal action for any reason, for example following a car accident.


Legal expenses cover can also be used to recover any excess you have to pay as a result of a crash in which you were not at fault.


Plus, it usually entitles you to access to a free legal helpline, which could be a valuable source of advice on legal matters.


Are there any downsides?


One of the main issues with legal expenses cover is that there are no guarantees your claim will be accepted.


You will, for example, only be allowed to make a claim if it is completely clear who was to blame for the accident and the insurer expects the legal action to go in your favour.


Claims may also be rejected if too much time has passed since the incident, or the insurer does not feel the amount being contested is high enough to warrant court action.


This would be the case if the amount involved was £500, but the insurer expected the case to cost say £1,000.


Do I need it?


Some 25 million households already have legal expenses insurance, according to figures from the Office for National Statistics – although there’s a question as to how many actually know they have the cover, having inadvertently gained insurance as an add-on or as a benefit of employment.


The main benefit is the peace of mind that comes with knowing they won’t have to cover the cost of pursuing legal action should that become necessary.


If you’re thinking cover might be worthwhile, remember to check whether you already get free legal advice through your trade union or being a named driver on someone else’s car insurance. There’s no point in doubling up.


5bcd8 Banner 600





Is legal costs cover worth the expense?

31 Ekim 2014 Cuma

The expense of petrol…





e9586 price of petrol 200x300
Petrol fees us a fortune. For most of us, transport expenses are just behind housing and meals in terms of most significant living expenses. So – what influences the price of our petrol in Australia? The ACCC advises that fuel costs are influenced by a quantity of aspects, with the considerable ones being:


  • Changes in international benchmark costs – the price that our overseas competitors are charging. Regional oil refineries need to stay price tag-competitive with overseas competitors.

  • The worth of the Australian dollar relative to the US dollar – this affects each the cost of crude oil and imported petrol as international benchmark costs are valued according to the $ USD.  A weaker Aussie dollar leads to greater import prices.

  • Levels of competitors in diverse locations – as with any industry, supply and demand will usually play a element in figuring out pricing.

  • Pricing choices by wholesalers and retailers – the costs of transport, storage, salaries and other overheads that are incurred by both wholesalers and retailers also add to the cost of our fuel.

Then of course there are taxes. All fuel prices include 10% GST, and petrol and diesel also incur a fixed Federal Government Excise of 38 cents per litre. Hmmm. There is a great tiny graphic on the Australian Institute of Petroleum internet site, displaying how the price tag we pay at the bowser is divvied up among the initial supplier, the government (the aforementioned taxes), the wholesaler and the retailer. Retailers do not make a high profit margin on petrol – a purpose why several service stations nowadays resemble mini supermarkets.
d96e5 petrol diagram



65864 unleaded fuel prices

Supply: www.aip.com.au   Even though it’s interesting data, it is not significantly assist if you require to fill up now! There are nonetheless a quantity of fuelwatch-variety website, such as this 1 set up by the Western Australia Department of Commerce. Google some thing similar in your state. It could save you some cash!  







The expense of petrol…

18 Ağustos 2014 Pazartesi

True Expense of a Speeding Ticket Following Insurance coverage Increases in North Carolina





North Carolina’s vehicle insurance premiums are among the lowest in the country—that is, as extended as drivers stay on the appropriate side of the law. Those who are assessed speeding tickets face many expenditures on the way to recovering their good record. Initial, if they’re caught going 15 MPH more than the speed limit, they will—in most cases—pay a $ 30 ticket, plus $ 188 in court expenses. They’ll also obtain points on their license.


Legal penalties are just the beginning. North Carolina’s Division of Insurance coverage maintains a separate technique for violations affecting auto insurance coverage. Drivers obtain points against their insurance—the quantity depends on the speed limit in the zone exactly where the driver was caught and the speed they were driving—and premium increases that last for 3 years. The correct cost of a speeding ticket in North Carolina is much more than 53 times the cost of the actual ticket—drivers spend an average of $ 1,619.63 for a $ 30 speeding ticket.  


What to Do If You Get a Speeding Ticket in North Carolina


Luckily, drivers who are caught speeding in North Carolina have a couple of excellent choices, as long as they haven’t had any violations within the previous 3 years. Agent Shaun Adams of S.J. Adams Insurance coverage in Raleigh says, “We’ll recommend our clientele go to an lawyer and get the charge decreased to 10 over”—that is, 10 mph more than the speed limit, which carries a lesser penalty. If the driver is productive, there’ll be no points assessed on his or her record and the insurance premium won’t change.


Drivers may also enter a Prayer for Judgment Continued (PJC). In this case, a driver may possibly technically acquire a conviction, but with out insurance consequences. Nonetheless, every single household is only allowed one PJC each and every 3 years for insurance purposes, so drivers must use this privilege very carefully. “If you get another ticket within 3 years, you’ll spend the penalty for both,” Adams warns.


Those unable to lodge a PJC or reduce their charge will receive insurance points and a premium hike at renewal. If their record is still great enough, Adams suggests they appear for an insurer with a lower base price: “Sometimes you can get a better deal,” he says.


Key Findings 


  • Even though North Carolina’s average car insurance premium is a quite affordable $ 902.67, drivers who are caught speeding will spend an average of $ 1,369.89 every single year—a hike of 51.81%, or $ 467.21—provided they switch insurers.

  • As in many states, North Carolina drivers encounter premium increases for 3 years after a targeted traffic offense. This implies they’re really on the hook for an average of $ 1,401.63 in further insurance payments as the result of a single ticket.

  • On typical, a driver convicted of driving 15 miles an hour more than the speed limit will pay $ 1,619.63 once fines, court costs and 3 years’ worth of vehicle insurance increases are factored in.

The Most Expensive Speeding Tickets in North Carolina


Note: Areas with comparable demographics, regulation and geography frequently have comparable insurance coverage rates. As a result, many spots on our leading 10 list are ties among 2 or far more cities.


1. Hope Mills
    Spring Lake


Accurate price of a speeding ticket: $ 1,830.50


Drivers in Hope Mills and Spring Lake will pay the most following a speeding ticket in North Carolina. Even ahead of receiving a speeding ticket, drivers in Hope Mills and Spring Lake face higher vehicle insurance prices. On average they spend $ 1,101.83 annually, about $ 200 more than the state typical.


2. Fayetteville


Correct cost of a speeding ticket: $ 1,825.82


Fayetteville is a close neighbor to Hope Mills and Spring Lake and the city’s drivers face the subsequent highest premium increase following a speeding ticket, even if they switch providers. Drivers will, on average, pay $ 535.94 more for insurance coverage every single year.


Fayetteville is the property of Fort Bragg, a main army base. When searching for car insurance coverage, soldiers ought to see if they are in a position to get a discount. USAA, a vehicle insurance coverage business, only delivers insurance to soldiers and their loved ones members. If drivers qualify for USAA, it is typically the cheapest alternative.


3. Charlotte


True cost of a speeding ticket: $ 1,822.76


Charlotte is North Carolina’s biggest city and its drivers will pay the third highest penalty for a speeding ticket over 3 years. Prior to getting a ticket, the typical Charlotte driver will spend $ 992.83 per year for vehicle insurance. Following receiving a speeding ticket, nevertheless, Charlotte drivers will see their annual premiums jump to $ 1,604.76.


4. Lumberton
    Laurinburg


Correct cost of a speeding ticket: $ 1,814.24


Additional south, drivers in Lumberton and Laurinburg encounter the next biggest premium improve following a speeding ticket even if they switch providers: about $ 532.08 per year. This amounts to a 50.05% increase, decrease than the one knowledgeable by Charlotte drivers. Nonetheless, due to the fact Lumberton and Laurinburg drivers have higher base premiums for secure drivers, those with a speeding ticket will pay $ 1,595.08 per year in automobile insurance coverage.


The southeast element of the state, exactly where Lumberton and Laurinburg are located, is reasonably costly for these acquiring auto insurance. Several other cities and towns in the best 10 are nearby. Interestingly, one of the bigger cities in the region, Wilmington, has a per-year insurance enhance of about $ 30 less than Lumberton and Laurinburg.


5. Sanford
    Clayton
    Smithfield


True price of a speeding ticket: $ 1,793.27


Sanford, Clayton and Smithfield, all situated amongst Raleigh and Fayetteville, have the next highest difference amongst pre- and post-ticket premiums. Drivers in these towns will see a premium about $ 1,557.42 once they’ve been convicted of speeding. This is an boost in premiums of about $ 525.09 per year, or $ 1,575.27 total over the 3-year penalty.


Though the 3 towns are reasonably distant from key cities, residents pay a slightly greater price for insurance coverage than other towns even closer to Raleigh. Apex and Garner drivers, for example, spend $ 1,364.75 and $ 1,362.08 per year for auto insurance coverage respectively, compared to xxx for Sanford, Clayton and Smithfield.


6. Jacksonville


Accurate cost of a speeding ticket: $ 1,773.26


Drivers in Jacksonville pay, on average, more for automobile insurance than other North Carolina drivers. The typical Jacksonville driver pays $ 1,036.00 for car insurance annually. Right after receiving a speeding ticket, they will spend $ 518.42 much more for insurance coverage every single year. Given that insurance increases final for 3 years in North Carolina, Jacksonville drivers will spend $ 1,555.26 in added insurance charges as a outcome of a single speeding ticket.


7. Gastonia
    Mount Holly
    Kings Mountain
    Belmont


True cost of a speeding ticket: $ 1,755.77


Gastonia, Kings Mountain, Mount Holly and Belmont all sit east of Charlotte and share the very same average vehicle insurance coverage rates. Drivers with clean records pay an average annual premium of $ 986.08 but if they get a ticket, they’ll see their rate climb to $ 1,498.67—$ 512.59 in added premiums per year. Because rate increases last for 3 years, drivers will pay $ 1,537.77 far more in total before their rates go back to typical.


7 Leland


True expense of a speeding ticket: $ 1,720.49


Residents of Leland, which is just outdoors of Wilmington, see their premiums jump to $ 1,454.50 if they obtain a speeding ticket. This amounts to a 52.52% boost, even for comparison shoppers, or $ 500.83 much more each year of the penalty.


The southern portion of North Carolina sees slightly larger premiums, on typical, than the northern part coastal cities also rank high on the list. Leland, Wilmington, Jacksonville and Elizabeth City all make the leading 10, ahead of larger cities further north and inland. Greensboro drivers see a total expense of $ 1,600.28 for a speeding ticket, much more than $ 100 significantly less than drivers in Leland. Drivers in Winston-Salem and Durham have related figures.


9. Wilmington


True price of a speeding ticket: $ 1,712.51


Wilmington drivers pay the ninth highest expense in the state for a speeding ticket, taking into consideration legal fees and insurance premiums. Right after 3 years of elevated premiums, they’ll have paid an average of $ 1,494.51 added to their insurance company—about $ 498.17 per year.


Drivers in Wilmington, the eighth biggest city in North Carolina, expertise larger prices than these in Higher Point, a city with a equivalent population. On average, drivers in High Point will see their car insurance coverage prices enhance by $ 445.16 as the result of a ticket. The standard driver in Greenville, the next largest city, will pay  $ 474.92 more for auto insurance coverage.


8. Elizabeth City


Correct price of a speeding ticket: $ 1,671.50


Rounding out the leading 10, Elizabeth City drivers see a comparable, but reduced, true expense for speeding compared to other coastal drivers. As soon as they get a speeding ticket, their best insurance price increases an average 52.46%, from $ 923.50 to $ 1,408.00. That adds up to $ 484.50 in added premiums every year, over 3 years.


Elizabeth City is the northernmost town in the prime 10. Although North Carolina doesn’t have as massive a spread in premiums in between cities as some states do, the northern part of the state does see decrease typical rates. In Henderson, drivers pay about $ 482.25 per year in added premiums following a ticket—only about $ 2 much less than drivers in Elizabeth City, but virtually $ 50 significantly less than these in Lumberton or Laurinburg.


To embed this infographic, copy and paste this text: &ltscript id=”infogram__most-expensive-locations-to-get-a-speeding-ticket-in-north-carolina” src=”//e.infogr.am/js/embed.js” type=”text/javascript”&gt&lt/script&gt


Click here for the complete dataset.


Most Expensive Cities to Get a Speeding Ticket in North Carolina


















































































































































Least High-priced Cities to Get a Speeding Ticket in North Carolina


RankCityAnnual premiumAnnual premium soon after a speeding ticketPercentage boostDollar improveTotal insurance improve right after 3 yearsAccurate Expense
1Hope Mills$ 1,101.83$ 1,639.3348.78%$ 537.50$ 1,612.50$ 1,830.50
1Spring Lake$ 1,101.83$ 1,639.3348.78%$ 537.50$ 1,612.50$ 1,830.50
2Fayetteville$ 1,093.15$ 1,629.0949.03%$ 535.94$ 1,607.82$ 1,825.82
3Charlotte$ 992.83$ 1,527.7553.88%$ 534.92$ 1,604.76$ 1,822.76
4Lumberton$ 1,063.00$ 1,595.0850.05%$ 532.08$ 1,596.24$ 1,814.24
4Laurinburg$ 1,063.00$ 1,595.0850.05%$ 532.08$ 1,596.24$ 1,814.24
5Sanford$ 1,032.33$ 1,557.4250.86%$ 525.09$ 1,575.27$ 1,793.27
5Clayton$ 1,032.33$ 1,557.4250.86%$ 525.09$ 1,575.27$ 1,793.27
5Smithfield$ 1,032.33$ 1,557.4250.86%$ 525.09$ 1,575.27$ 1,793.27
6Jacksonville$ 1,036.00$ 1,554.4250.04%$ 518.42$ 1,555.26$ 1,773.26
7Gastonia$ 986.08$ 1,498.6751.98%$ 512.59$ 1,537.77$ 1,755.77
7Mount Holly$ 986.08$ 1,498.6751.98%$ 512.59$ 1,537.77$ 1,755.77
7Kings Mountain$ 986.08$ 1,498.6751.98%$ 512.59$ 1,537.77$ 1,755.77
7Belmont$ 986.08$ 1,498.6751.98%$ 512.59$ 1,537.77$ 1,755.77
8Leland$ 953.67$ 1,454.5052.52%$ 500.83$ 1,502.49$ 1,720.49
9Wilmington$ 936.25$ 1,434.4253.21%$ 498.17$ 1,494.51$ 1,712.51
10Elizabeth City$ 923.50$ 1,408.0052.46%$ 484.50$ 1,453.50$ 1,671.50
















































































































Methodology


To figure out the typical insurance coverage premium increases, we retrieved quotes for 8 various driver profiles in North Carolina: 27-year-old single males and females and 40-year-old married guys and women, every single driving Toyota Camrys and Ford Escapes. For each and every driver profile, we chose each and every city’s 3 cheapest vehicle insurance quotes to mimic consumer behavior and to decide our overall typical. We only surveyed cities that had populations greater than 20,000 residents. We calculated the total cost of a 15-mile-per-hour speeding ticket by adding the price of a speeding ticket to 3 years of vehicle insurance coverage increases. The estimated insurance expenses are for illustrative purposes only. The actual insurance increases you face will differ based on your insurance coverage carrier, your place and other factors.


Alice Holbrook contributed to the writing and investigation of this study.



Image of police officer issuing ticket by means of Shutterstock.




ba483 p 89EKCgBk8MZdE







True Expense of a Speeding Ticket Following Insurance coverage Increases in North Carolina
RankCityAnnual premiumAnnual premium right after a speeding ticketPercentage enhanceDollar enhanceTotal insurance coverage increase following 3 yearsCorrect Price
1Asheville$ 809.33$ 1,220.6750.82%$ 411.34$ 1,234.02$ 1,452.02
2Indian Trail$ 823.42$ 1,237.7550.32%$ 414.33$ 1,242.99$ 1,460.99
3Monroe$ 818.88$ 1,235.0050.82%$ 416.12$ 1,248.36$ 1,466.36
4Harrisburg$ 805.75$ 1,222.5851.73%$ 416.83$ 1,250.49$ 1,468.49
5Concord$ 790.42$ 1,207.8352.81%$ 417.41$ 1,252.23$ 1,470.23
5Salisbury$ 790.42$ 1,207.8352.81%$ 417.41$ 1,252.23$ 1,470.23
6Thomasville$ 789.92$ 1,212.0853.44%$ 422.16$ 1,266.48$ 1,484.48
6Summerfield$ 789.92$ 1,212.0853.44%$ 422.16$ 1,266.48$ 1,484.48
7Kannapolis$ 839.96$ 1,271.0051.32%$ 431.04$ 1,293.12$ 1,511.12
8Asheboro$ 815.58$ 1,250.7553.36%$ 435.17$ 1,305.51$ 1,523.51
9Shelby$ 862.33$ 1,300.5850.82%$ 438.25$ 1,314.75$ 1,532.75
9Lincolnton$ 862.33$ 1,300.5850.82%$ 438.25$ 1,314.75$ 1,532.75
10Lexington$ 826.75$ 1,265.5853.08%$ 438.83$ 1,316.49$ 1,534.49

14 Ağustos 2014 Perşembe

Prime Cuts: We Chop By means of Trim to Uncover Out What Tends to make a Bentley Expense $300,000




We chop via trim to locate out what separates a $ 300,000 Bentley from the bottom of the barrel.


Aluminum and carbon-fiber trim pieces may possibly be trendy in vehicle cabins these days, but nothing classes up the joint really like the appear of wood. Which is not to say that all lumber is produced equal. To examine how automakers trim their vehicles with trees (or fake ones) at diverse value points, we collected samples from 3 castes of the Volkswagen Group and dropped the miter saw on them.






1. Bentley Mulsanne


Dark-stained, .02-inch-thick burl walnut on strong walnut backing. Pleasingly hefty.


Entertaining Reality: Bentley normally uses 24 veneers sliced from the root ball of a single 80-year-old tree to ring a Mulsanne cabin in wood.


2. Volkswagen Passat SEL


Not wood. Printed burl walnut appliqué on the finest plastic. Flimsy. Nevertheless costs $ 104 at your neighborhood parts counter.


Enjoyable Reality: Made in America. U-S-A! U-S-A!


3. Audi S8


Velvet-brown fine-grain ash veneer on magnesium-alloy backing. Light. Stiff. And the very same .02-inch thickness as the Bentley’;s burl walnut.


Entertaining Fact: This wood trim piece is half an ounce lighter than the exact same portion rendered in Audi’;s copper-twill carbon fiber.


The Devil Is in the Details


Bentley book-matches its veneers, which means it aligns thin wood sheets to develop a seamless mirror image. The process bespeaks high quality and craftsmanship, but sometimes it benefits in disturbing faces. Even though Jesus has however to seem in Bentley’;s Crewe, England, wood shop, the craftsmen occasionally conjure unholy figures.






The Much more Expensive the Automobile, the Heavier its Trim


Shown right here: how numerous ounces a square inch of every single car’;s trim weights.






Other Stories You Might Like







Prime Cuts: We Chop By means of Trim to Uncover Out What Tends to make a Bentley Expense $300,000

4 Ağustos 2014 Pazartesi

Correct Expense of a DUI in Washington After Insurance Increases





According to Mothers Against Drunk Driving (MADD), Washington state ranks 25th in the nation for the highest number of drunk driving fatalities. If you get caught driving under the influence, you are putting yourself and others in danger, and the ticket itself is not the only price you will pay. In addition to the fine, drivers who receive a DUI might have to deal with attorney’s fees, alcohol education fees and lost wages, among other costs.


One of the longest-lasting financial impacts from a DUI comes in the form of insurance increases. In Washington, car insurance increases will last on a driver’s record for 5 years after they receive a DUI.  The minimum fine for a first-time DUI in Washington is $ 940.50, but the resulting car insurance premium increases for the average Washington driver will be almost 2.5 times the initial fine—drivers will pay $ 2,334.01 more for insurance over the course of 5 years.


Key findings:


  • Depending on the severity of the fine, the true cost of a first-time DUI for Washington drivers is between $ 6,574.51and $ 10,634.01; 6.9 and 2.1 times the initial fines respectively. We calculated the true cost of a DUI by accounting for the fine, attorney’s fees, insurance increases and ignition interlock fees.

  • The typical Washington driver will pay $ 466.80 extra each year for insurance after a DUI. The increases last for 5 years after receiving a DUI, which means the average driver will pay $ 2,334.01 in insurance increases.

  • After a receiving a DUI, the average Washington driver will see his or her car insurance increase by 54.24%.

What are the costs associated with a DUI in Washington?


To calculate the “true cost” of getting a speeding ticket in Washington, we looked at 4 costs associated with DUIs:


1)   The fine: The fine that drivers pay depends on the situation. The minimum fine for a first-time offender with a BAC less than 0.15 is $ 940.50; the maximum is $ 5,000. According to Washington’s Administrative Office of the Courts, the average fine imposed for all convictions—not just first-time offenders—was $ 3,711 in 2013.


2)   Lawyer’s fees: According to the Washington Safety Commission, Washington drivers who receive a DUI pay about $ 2,000 in lawyer’s fees.  


3)   Ignition interlock device fees: If a driver wants to drive again, he or she will have to install an ignition interlock device in his or her car. According to the Washington Safety Commission, the device will cost about $ 1,300 for the first year.  In Washington, first-time offenders need to have the device for at least a year.


4)   Insurance premium increases: Drivers who receive DUIs will most likely see an increase in their annual car insurance premium, even if they re-shop for insurance. The average increase in Washington is $ 466.80, but the actual amount will differ from place to place and driver to driver.


How can you minimize insurance costs after getting a DUI?


If you get a DUI, your car insurance company will often increase your car insurance rates and they might even drop your coverage outright. If they don’t drop you, however, it’s a good time to go shopping for a new carrier. Different insurance companies give different weighting to infractions like DUIs, and your current carrier may no longer be the cheapest.


Although it takes more time, consider getting phone quotes from a few insurers. This allows you to ask questions about your specific situation. Washington requires drivers convicted of DUIs to file SR-22 paperwork, which not all insurers support. In addition, be sure to ask about discounts—including those for vehicle safety features and bundling policies—which you may use, regardless of your driving history.


Comparison shopping may save you some money when you badly need it, but your insurance premiums will almost certainly increase. The question is, how much?


10 Washington cities with the most expensive DUIs


1. Tacoma


True cost with the maximum fine: $ 11,458.30
True cost with the minimum fine: $ 7,398.80


Tacoma residents have some of the highest average car insurance rates—$ 1,057.35 each year—in Washington. They also see the largest per-year dollar increase of any city for drivers who receive a DUI. Since car insurance rate increases last for 5 years, Tacoma residents can expect to pay $ 3,158.30 more in that time.


Tacoma area drivers are well-represented in the top 10. 5 of the other communities with the most expensive insurance increases for DUIs are within a relatively short drive of Tacoma—though they do experience a fairly wide range of increases.


2. University Place


True cost with the maximum fine: $ 11,457.10
True cost with the minimum fine: $ 7,397.60


The average University Place driver pays about $ 150 more for car insurance each year than the Washington state average. University Place’s high car insurance rates mean that when the city’s drivers receive DUIs, they end up paying more for car insurance than other Washingtonians receiving DUIs.


University Place is located in Pierce County, which has a DUI and Traffic Safety Task Force that aims to reduce deaths and injuries caused by impaired driving. The task force utilizes displays at the Puyallup Fair and also hosts a holiday campaign to educate residents.


3. Lakewood


True cost with the maximum fine: $ 11,423.40
True cost with the minimum fine: $ 7,363.90


Lakewood drivers pay $ 1,040.61 for car insurance on average each year. However, after a DUI, that number will jump by $ 624.68 to $ 1,665.29. The city’s drivers can expect to pay $ 3,123.40 over 5 years.


Even within the Tacoma area, which has some of the highest DUI-related insurance increases in the state, Lakewood stands out. At 60%, the amount the average driver convicted of a DUI can expect his or her premium to jump is the second highest in the state, after University Place.


4. Federal Way


True cost with the maximum fine: $ 11,270.00
True cost with the minimum fine: $ 7,210.50


Federal Way ranks highest on the list among cities in Washington’s most populous county, King County. The average Federal Way resident pays $ 1,045.50 per year for car insurance, but after receiving a DUI, drivers can expect their annual premiums to skyrocket to $ 1,639.50.


King County has been criticized for slow prosecutions of drunk driving defendants in the past. The average defendant facing a court date in the county won’t be charged for 84 days from the time of arrest.


5. Puyallup


True cost with the maximum fine: $ 11,159.00
True cost with the minimum fine: $ 7,099.50


The average Puyallup driver with a clean record pays $ 975.73 per year for car insurance. Upon receiving a DUI, however, that yearly premium will increase by $ 571.80. Puyallup drivers can expect to pay $ 2,859.00 more for insurance over 5 years as a result of a single DUI.


In 2012, there were more than 34,000 alcohol and drug-related crashes in Washington. The state also experienced 185 fatal collisions involving an impaired driver that year. Though Pierce County has some of the state’s highest car insurance rates—before and after a DUI—it comes in second in the state in car crash fatalities.


6. Lynnwood


True cost with the maximum fine: $ 11,103.15
True cost with the minimum fine: $ 7,043.65


Lynnwood is one of 3 towns in Snohomish County to crack the top 10. Its drivers face the steepest car insurance increases in the county after a DUI. On average, Lynwood drivers will see their annual car insurance rates jump from $ 984.29 to $ 1,544.92 each year. The average Lynnwood driver will pay $ 2,803.15 more for car insurance over 5 years after receiving a DUI.


Not only do Lynnwood drivers have the highest insurance increases in the county for DUIs in dollar terms, but they also see the highest increases in percentage terms, about 57%. This means they’ll pay more than Seattle drivers over 5 years, even though Seattle drivers have a higher initial insurance rate.


7. Seattle


True cost with the maximum fine: $ 11,088.80
True cost with the minimum fine: $ 7,029.30


Though not by much, Seattle drivers with clean records have the most expensive car insurance premiums in the state. Even safe drivers will pay about $ 1,058.09 per year. The average rate for a driver convicted of a DUI goes up by about 53% for an average of $ 557.76 more per year.


Recently, Seattle lifted restrictions on ridesharing services such as Uber, Lyft and Sidecar. A study by Uber claims that after the company started serving Seattle, DUI arrests decreased by more than 10%.


8. Edmonds


True cost with the maximum fine: $ 11,054.90
True cost with the minimum fine: $ 6,995.40


Just west of Lynnwood, Edmonds drivers face slightly smaller car insurance increases after receiving a DUI. On average, Edmonds drivers with clean records pay $ 968.44 for car insurance each year. After receiving a DUI, however, Edmonds drivers can expect their annual car insurance rates to increase by $ 550.98. Since rates last for 5 years, Edmonds drivers will pay $ 2,754.90 in extra car insurance costs.


Snohomish County has multiple efforts aimed at decreasing DUIs, as well as a memorial wall for DUI victims. The county also publishes a list of taxi and limo services residents can use if they’re impaired, and it runs a series of victim panels for offenders.


9. Mountlake Terrace


True cost with the maximum fine: $ 11,033.95
True cost with the minimum fine: $ 6,974.45


Mountlake Terrace drivers face steep car insurance premium increases after they receive DUIs. Residents of Mountlake Terrace, located just north of Seattle, pay an average of $ 990.75 for car insurance but, after a DUI, they can expect their yearly premiums to increase by $ 546.79 to $ 1,537.54. In total, Mountlake Terrace residents will pay $ 2,733.95 more for car insurance over the course of their penalty.


According to a 2012 report from the State of Washington, Snohomish County had the state’s third-highest number of traffic fatalities—34 that year. They had 6 fewer fatalities than Pierce County, though they had about 700 more traffic accidents.


10.  Auburn


True cost with the maximum fine: $ 10,986.45
True cost with the minimum fine: $ 6,926.95


After a DUI, the average Auburn driver can expect to see his or her yearly car insurance premiums increase by about 52%. On average, Auburn drivers pay $ 1,032.86 for car insurance each year, but after a DUI, that premium will rise to $ 1,570.15. Auburn residents will pay an extra $ 2,686.45 for car insurance over 5 years.


Auburn sits mostly within King County, which had Washington’s highest level of collisions and traffic fatalities in 2012. Its rate of traffic fatalities, however, is relatively low. In 2012, King County had a fatality rate of 0.56 per 100 million vehicle miles traveled—lower than Snohomish (0.63) and Pierce (0.68), and more than 6 times less than the rate in Pend Orielle County (3.57).


 
To embed this infographic, copy and paste this code: <script id=”infogram_0_washington-cities-with-the-highest-insurance-increases-after-a-dui” src=”//e.infogr.am/js/embed.js” type=”text/javascript”></script>


The Full List


Click here for a link to the to full data set.

































































































































































































































































































































































































































































































































































































































































































































































Methodology


To calculate the true cost of a first-time DUI conviction, we accounted for the minimum and maximum fines mandated by Washington’s courts, attorney’s fees, ignition interlock fees and insurance premium increases. Actual DUI-related costs will vary from driver to driver. To determine the average insurance premium increases, we first calculated the average annual car insurance premium for drivers with clean records and then calculated the average car insurance premium for drivers who were convicted of a DUI with a BAC of .08. The estimated insurance costs are for illustrative purposes only. The actual insurance increases you face will vary depending on your insurance carrier, your location and other factors. NerdWallet only surveyed cities with populations greater than 10,000 residents.



Image of driver being pulled over via Shutterstock.




97fd8 p 89EKCgBk8MZdE







Correct Expense of a DUI in Washington After Insurance Increases
RankCitiesAnnual car insurance premiumDUI premiumDollar increasePercentage increase5 year insurance increaseFineTrue cost
1Tacoma$ 1,057.35$ 1,689.01$ 631.6659.74%$ 3,158.30Minimum Fine ($ 940.50):$ 7,398.80
Maximum Fine ($ 5,000):$ 11,458.30
2University Place$ 1,013.08$ 1,644.50$ 631.4262.33%$ 3,157.10Minimum Fine ($ 940.50):$ 7,397.60
Maximum Fine ($ 5,000):$ 11,457.10
3Lakewood$ 1,040.61$ 1,665.29$ 624.6860.03%$ 3,123.40Minimum Fine ($ 940.50):$ 7,363.90
Maximum Fine ($ 5,000):$ 11,423.40
4Federal Way$ 1,045.50$ 1,639.50$ 594.0056.81%$ 2,970.00Minimum Fine ($ 940.50):$ 7,210.50
Maximum Fine ($ 5,000):$ 11,270.00
5Puyallup$ 975.73$ 1,547.53$ 571.8058.60%$ 2,859.00Minimum Fine ($ 940.50):$ 7,099.50
Maximum Fine ($ 5,000):$ 11,159.00
6Lynnwood$ 984.29$ 1,544.92$ 560.6356.96%$ 2,803.15Minimum Fine ($ 940.50):$ 7,043.65
Maximum Fine ($ 5,000):$ 11,103.15
7Seattle$ 1,058.09$ 1,615.85$ 557.7652.71%$ 2,788.80Minimum Fine ($ 940.50):$ 7,029.30
Maximum Fine ($ 5,000):$ 11,088.80
8Edmonds$ 968.44$ 1,519.42$ 550.9856.89%$ 2,754.90Minimum Fine ($ 940.50):$ 6,995.40
Maximum Fine ($ 5,000):$ 11,054.90
9Mountlake Terrace$ 990.75$ 1,537.54$ 546.7955.19%$ 2,733.95Minimum Fine ($ 940.50):$ 6,974.45
Maximum Fine ($ 5,000):$ 11,033.95
10Auburn$ 1,032.86$ 1,570.15$ 537.2952.02%$ 2,686.45Minimum Fine ($ 940.50):$ 6,926.95
Maximum Fine ($ 5,000):$ 10,986.45
11Everett$ 950.61$ 1,476.09$ 525.4855.28%$ 2,627.40Minimum Fine ($ 940.50):$ 6,867.90
Maximum Fine ($ 5,000):$ 10,927.40
12Marysville$ 939.98$ 1,464.96$ 524.9855.85%$ 2,624.90Minimum Fine ($ 940.50):$ 6,865.40
Maximum Fine ($ 5,000):$ 10,924.90
13Lake Stevens$ 938.17$ 1,459.00$ 520.8355.52%$ 2,604.15Minimum Fine ($ 940.50):$ 6,844.65
Maximum Fine ($ 5,000):$ 10,904.15
14Mukilteo$ 946.58$ 1,464.96$ 518.3854.76%$ 2,591.90Minimum Fine ($ 940.50):$ 6,832.40
Maximum Fine ($ 5,000):$ 10,891.90
15Kent$ 1,038.36$ 1,547.98$ 509.6249.08%$ 2,548.10Minimum Fine ($ 940.50):$ 6,788.60
Maximum Fine ($ 5,000):$ 10,848.10
16Monroe$ 950.21$ 1,458.50$ 508.2953.49%$ 2,541.45Minimum Fine ($ 940.50):$ 6,781.95
Maximum Fine ($ 5,000):$ 10,841.45
17Mercer Island$ 925.08$ 1,424.38$ 499.3053.97%$ 2,496.50Minimum Fine ($ 940.50):$ 6,737.00
Maximum Fine ($ 5,000):$ 10,796.50
18Enumclaw$ 937.71$ 1,437.00$ 499.2953.25%$ 2,496.45Minimum Fine ($ 940.50):$ 6,736.95
Maximum Fine ($ 5,000):$ 10,796.45
19Kenmore$ 942.08$ 1,438.92$ 496.8452.74%$ 2,484.20Minimum Fine ($ 940.50):$ 6,724.70
Maximum Fine ($ 5,000):$ 10,784.20
20Bothell$ 952.33$ 1,446.94$ 494.6151.94%$ 2,473.05Minimum Fine ($ 940.50):$ 6,713.55
Maximum Fine ($ 5,000):$ 10,773.05
21Maple Valley$ 939.25$ 1,430.83$ 491.5852.34%$ 2,457.90Minimum Fine ($ 940.50):$ 6,698.40
Maximum Fine ($ 5,000):$ 10,757.90
22Bellevue$ 918.93$ 1,410.38$ 491.4553.48%$ 2,457.25Minimum Fine ($ 940.50):$ 6,697.75
Maximum Fine ($ 5,000):$ 10,757.25
23Redmond$ 933.50$ 1,424.65$ 491.1552.61%$ 2,455.75Minimum Fine ($ 940.50):$ 6,696.25
Maximum Fine ($ 5,000):$ 10,755.75
24Bonney Lake$ 975.88$ 1,464.58$ 488.7050.08%$ 2,443.50Minimum Fine ($ 940.50):$ 6,684.00
Maximum Fine ($ 5,000):$ 10,743.50
25Renton$ 995.74$ 1,481.82$ 486.0848.82%$ 2,430.40Minimum Fine ($ 940.50):$ 6,670.90
Maximum Fine ($ 5,000):$ 10,730.40
26Woodinville$ 939.96$ 1,424.65$ 484.6951.56%$ 2,423.45Minimum Fine ($ 940.50):$ 6,663.95
Maximum Fine ($ 5,000):$ 10,723.45
27Kirkland$ 932.92$ 1,410.38$ 477.4651.18%$ 2,387.30Minimum Fine ($ 940.50):$ 6,627.80
Maximum Fine ($ 5,000):$ 10,687.30
28Vancouver$ 867.72$ 1,333.31$ 465.5953.66%$ 2,327.95Minimum Fine ($ 940.50):$ 6,568.45
Maximum Fine ($ 5,000):$ 10,627.95
29Spokane$ 827.22$ 1,289.26$ 462.0455.85%$ 2,310.20Minimum Fine ($ 940.50):$ 6,550.70
Maximum Fine ($ 5,000):$ 10,610.20
30Sammamish$ 905.21$ 1,365.40$ 460.1950.84%$ 2,300.95Minimum Fine ($ 940.50):$ 6,541.45
Maximum Fine ($ 5,000):$ 10,600.95
31Olympia$ 814.60$ 1,271.47$ 456.8756.09%$ 2,284.35Minimum Fine ($ 940.50):$ 6,524.85
Maximum Fine ($ 5,000):$ 10,584.35
32Lacey$ 824.25$ 1,277.88$ 453.6355.04%$ 2,268.15Minimum Fine ($ 940.50):$ 6,508.65
Maximum Fine ($ 5,000):$ 10,568.15
33Aberdeen$ 771.58$ 1,220.88$ 449.3058.23%$ 2,246.50Minimum Fine ($ 940.50):$ 6,487.00
Maximum Fine ($ 5,000):$ 10,546.50
34Kelso$ 783.71$ 1,230.83$ 447.1257.05%$ 2,235.60Minimum Fine ($ 940.50):$ 6,476.10
Maximum Fine ($ 5,000):$ 10,535.60
35Snoqualmie$ 881.75$ 1,328.38$ 446.6350.65%$ 2,233.15Minimum Fine ($ 940.50):$ 6,473.65
Maximum Fine ($ 5,000):$ 10,533.15
36Centralia$ 776.08$ 1,221.17$ 445.0957.35%$ 2,225.45Minimum Fine ($ 940.50):$ 6,465.95
Maximum Fine ($ 5,000):$ 10,525.45
37Longview$ 787.79$ 1,232.67$ 444.8856.47%$ 2,224.40Minimum Fine ($ 940.50):$ 6,464.90
Maximum Fine ($ 5,000):$ 10,524.40
38Camas$ 839.38$ 1,282.17$ 442.7952.75%$ 2,213.95Minimum Fine ($ 940.50):$ 6,454.45
Maximum Fine ($ 5,000):$ 10,513.95
39Cheney$ 761.13$ 1,202.71$ 441.5858.02%$ 2,207.90Minimum Fine ($ 940.50):$ 6,448.40
Maximum Fine ($ 5,000):$ 10,507.90
40Washougal$ 840.63$ 1,282.17$ 441.5452.52%$ 2,207.70Minimum Fine ($ 940.50):$ 6,448.20
Maximum Fine ($ 5,000):$ 10,507.70
41Arlington$ 905.79$ 1,346.08$ 440.2948.61%$ 2,201.45Minimum Fine ($ 940.50):$ 6,441.95
Maximum Fine ($ 5,000):$ 10,501.45
42Bainbridge Island$ 750.92$ 1,188.33$ 437.4158.25%$ 2,187.05Minimum Fine ($ 940.50):$ 6,427.55
Maximum Fine ($ 5,000):$ 10,487.05
43Issaquah$ 878.75$ 1,313.88$ 435.1349.52%$ 2,175.65Minimum Fine ($ 940.50):$ 6,416.15
Maximum Fine ($ 5,000):$ 10,475.65
44Battle Ground$ 851.67$ 1,282.17$ 430.5050.55%$ 2,152.50Minimum Fine ($ 940.50):$ 6,393.00
Maximum Fine ($ 5,000):$ 10,452.50
45Bremerton$ 785.13$ 1,213.83$ 428.7054.60%$ 2,143.50Minimum Fine ($ 940.50):$ 6,384.00
Maximum Fine ($ 5,000):$ 10,443.50
46Port Orchard$ 786.83$ 1,213.83$ 427.0054.27%$ 2,135.00Minimum Fine ($ 940.50):$ 6,375.50
Maximum Fine ($ 5,000):$ 10,435.00
47Port Angeles$ 721.79$ 1,147.96$ 426.1759.04%$ 2,130.85Minimum Fine ($ 940.50):$ 6,371.35
Maximum Fine ($ 5,000):$ 10,430.85
48Yakima$ 794.84$ 1,218.17$ 423.3353.26%$ 2,116.65Minimum Fine ($ 940.50):$ 6,357.15
Maximum Fine ($ 5,000):$ 10,416.65
49Sunnyside$ 767.17$ 1,188.25$ 421.0854.89%$ 2,105.40Minimum Fine ($ 940.50):$ 6,345.90
Maximum Fine ($ 5,000):$ 10,405.40
50Grandview$ 765.17$ 1,185.88$ 420.7154.98%$ 2,103.55Minimum Fine ($ 940.50):$ 6,344.05
Maximum Fine ($ 5,000):$ 10,403.55
51Moses Lake$ 733.42$ 1,151.04$ 417.6256.94%$ 2,088.10Minimum Fine ($ 940.50):$ 6,328.60
Maximum Fine ($ 5,000):$ 10,388.10
52Bellingham$ 762.68$ 1,174.13$ 411.4553.95%$ 2,057.25Minimum Fine ($ 940.50):$ 6,297.75
Maximum Fine ($ 5,000):$ 10,357.25
53Richland$ 747.13$ 1,154.96$ 407.8354.59%$ 2,039.15Minimum Fine ($ 940.50):$ 6,279.65
Maximum Fine ($ 5,000):$ 10,339.15
54West Richland$ 748.13$ 1,154.96$ 406.8354.38%$ 2,034.15Minimum Fine ($ 940.50):$ 6,274.65
Maximum Fine ($ 5,000):$ 10,334.15
55Kennewick$ 749.68$ 1,155.71$ 406.0354.16%$ 2,030.15Minimum Fine ($ 940.50):$ 6,270.65
Maximum Fine ($ 5,000):$ 10,330.15
56Anacortes$ 736.54$ 1,138.08$ 401.5454.52%$ 2,007.70Minimum Fine ($ 940.50):$ 6,248.20
Maximum Fine ($ 5,000):$ 10,307.70
57Oak Harbor$ 737.46$ 1,138.08$ 400.6254.32%$ 2,003.10Minimum Fine ($ 940.50):$ 6,243.60
Maximum Fine ($ 5,000):$ 10,303.10
58Ferndale$ 739.21$ 1,138.08$ 398.8753.96%$ 1,994.35Minimum Fine ($ 940.50):$ 6,234.85
Maximum Fine ($ 5,000):$ 10,294.35
59Lynden$ 739.63$ 1,138.08$ 398.4553.87%$ 1,992.25Minimum Fine ($ 940.50):$ 6,232.75
Maximum Fine ($ 5,000):$ 10,292.25
60Mount Vernon$ 743.15$ 1,138.08$ 394.9353.14%$ 1,974.65Minimum Fine ($ 940.50):$ 6,215.15
Maximum Fine ($ 5,000):$ 10,274.65
61Pasco$ 732.00$ 1,126.00$ 394.0053.83%$ 1,970.00Minimum Fine ($ 940.50):$ 6,210.50
Maximum Fine ($ 5,000):$ 10,270.00
62Sedro Woolley$ 746.58$ 1,138.08$ 391.5052.44%$ 1,957.50Minimum Fine ($ 940.50):$ 6,198.00
Maximum Fine ($ 5,000):$ 10,257.50
63Walla Walla$ 702.79$ 1,089.50$ 386.7155.02%$ 1,933.55Minimum Fine ($ 940.50):$ 6,174.05
Maximum Fine ($ 5,000):$ 10,233.55
64Pullman$ 736.46$ 1,114.96$ 378.5051.39%$ 1,892.50Minimum Fine ($ 940.50):$ 6,133.00
Maximum Fine ($ 5,000):$ 10,192.50
65Ellensburg$ 721.38$ 1,098.67$ 377.2952.30%$ 1,886.45Minimum Fine ($ 940.50):$ 6,126.95
Maximum Fine ($ 5,000):$ 10,186.45
66Wenatchee$ 729.33$ 1,102.79$ 373.4651.21%$ 1,867.30Minimum Fine ($ 940.50):$ 6,107.80
Maximum Fine ($ 5,000):$ 10,167.30

14 Haziran 2014 Cumartesi

True Expense of a Speeding Ticket in Texas following Insurance Increases





With all that open space, it’s easy to understand the temptation to speed in Texas. And with speed limits of up to 85 mph, drivers in the state will have to go faster than most to run afoul of the law. Unfortunately, those who do get caught going a little — or a lot — too fast will still face serious consequences. In many cases, they’ll have to pay their ticket, then they’ll see their insurance premiums go up. In Texas, the points drivers receive after getting a ticket remain on their record for 3 years, and this means their insurance increases last that long as well.


While the average Texas driver pays an annual insurance premium of $ 1,074.68, the average driver ticketed for going 15 mph over the speed limit pays $ 1,202.24. Different municipalities in Texas charge different amounts, and sometimes it varies quite a bit for speeding tickets. City and county courts may also have different fines.


Of course, in addition to an individual’s driving history, insurance premiums are also associated with other factors, such as the crime rate, number of uninsured drivers, median income and the weather. Drivers in the same Texas town, even with the same violation, may still pay different insurance rates. But they have a better chance of paying less – or more – in insurance costs for a ticket if they live in one of the following communities.


Key findings:


  • The average car insurance increase for Texas drivers after they receive a speeding ticket for driving 15 mph over the limit is $ 127.56 a year, and insurance increases often last 3 years. That means Texas drivers on average pay an additional $ 382.68 on top of the ticket.

  • A driver in Lubbock will pay $ 167.43 more in insurance costs than a driver in Flower Mound.

  • After a 15 mph speeding ticket, Texas drivers’ average annual car insurance premiums increase 11.87%.

5 cities with the least expensive insurance increases after a speeding ticket


1. Flower Mound


Average insurance increase: 8.75%
15 mph ticket fine: $ 195
True cost: $ 472.89


Northeast Texas drivers — specifically those just north of Dallas — see the lowest average insurance increase in the state after a speeding ticket. All 5 of the cheapest cities are in the Dallas region, but Flower Mound drivers face the lowest penalties. On top of a relatively low average insurance premium — $ 1,058.81 — their rates will go up only about $ 92.63 a year after receiving a ticket. They’ll also pay the penalty for speeding for a total cost of $ 472.89.


Flower Mound is in Denton and Tarrant counties, which both had a high rate of accidents and traffic fatalities in the most recent years data was available. In 2012, Tarrant County reported 122 traffic fatalities, the third-highest number in the state. However, Flower Mound also has a high median income, a factor which could contribute to its low insurance rates.


2. Garland


Average insurance increase: 8.8%
15 mph ticket fine: $ 183
True cost: $ 493.74


Garland drivers face the next lowest insurance penalties for speeding in the state. While the town’s average insurance premium is $ 1,176.81, ticketed drivers pay about $ 103.58 more for a total of $ 1,280.39. Between the 3-year increase and traffic fine, they’ll pay $ 493.74.


Portions of Garland are in Dallas and Collin counties, which both also have higher traffic accident and fatality rates in the state. Dallas County had 208 traffic fatalities in 2012, the second-highest number in Texas. But in Garland, there were only 12 fatalities, making it a safer place to drive than other locations in the area.


3. Sachse


Average insurance increase: 8.81%
15 mph ticket fine: $ 170
True cost: $ 481.79


The small town of Sachse has the third-lowest insurance increases in the state after a speeding ticket. The average driver who pays $ 1,179.88 a year in premiums will see that increase to $ 1,283.81, a difference of $ 103.93. When their ticket is factored in, they’ll pay a penalty of about $ 481.79 over 3 years.


Like Garland, Sachse is part of 2 counties, Dallas and Collin. In addition to having a high rate of accidents, Dallas County also has one of the state’s highest levels of uninsured drivers: 16% hit the road without proper legal protection. That said, Sachse’s size – its population is only 20,329 – may result in lower congestion in the town.


4. The Colony


Average insurance increase: 8.83%
15 mph ticket fine: $ 185
True cost: $ 472.25


At The Colony, residents of the Dallas suburb pay about $ 95.75 more a year in insurance premiums after receiving a speeding ticket for an average premium of $ 1,180.50. After they’ve paid their speeding ticket, the average penalty will total $ 472.25.


Even if drivers haven’t been fined for speeding, the small and wealthy suburb’s demographics and size may help lower its insurance premiums. The community also has a much lower rate of property crimes than the rest of Texas.


5. Coppell


Average insurance increase: 8.84%
15 mph ticket fine: Varies


In this community close to the Dallas/Fort Worth International Airport, Coppell residents enjoy quick access to the skies — and low penalties for speeding. The average resident with a clean record pays $ 1,106.38 in insurance premiums, while residents with a speeding ticket pay $ 1,204.13, an increase of $ 97.75. Over 3 years, on top of the ticket fine, speeders will pay $ 293.25 extra for their insurance.


Though Coppell is primarily in Dallas County, its median income is more than double that of the state’s median. In addition, the mean travel time for its residents who work, 23.8 minutes, is below average for Texas drivers.


5 cities with the most expensive insurance increases after a speeding ticket


1. Lubbock


Average insurance increase: 13.88%
15 mph ticket fine: Varies


In this city next to New Mexico’s border, Lubbock residents have the pleasure of being hit with the largest insurance increases after a speeding ticket in the state of Texas. At $ 148.44 more a year, Lubbock drivers pay a high price for their mistakes although their premiums overall are low. The average driver’s yearly costs will increase from $ 1,069.56 to $ 1,218.00, a total of $ 445.32 over 3 years, not including the ticket.


Lubbock is one of Texas’ biggest cities, and its drivers cause a higher number of crashes and fatal accidents than those in other similarly sized cities — including Garland, Laredo and Plano — which may be the reason for its rates. In 2012, Lubbock drivers were responsible for 22 of the 30 traffic fatalities in Lubbock County. As well, a higher-than-average number of the city’s residents live below the poverty line, which could be one reason Lubbock residents pay higher premiums.


2. Pflugerville


Average insurance increase: 13.69%
15 mph ticket fine: $ 189
True cost: $ 634.11


Residents in the Austin suburb of Pflugerville will see the second-highest insurance increases in the state after they get a speeding ticket. Average premiums increase from $ 1,083.69 to $ 1,232.06. In total, they’ll pay $ 634.11 for increased premiums and their ticket.


Travis County has relatively low rates of crashes and fatalities, 105 in 2012, for a county with its population; and Pflugerville had only 1 fatality. Still, the town undoubtedly pays a price for being within commuting distance of Austin. Earlier this year, Forbes ranked Austin’s traffic congestion as the 4th worst in the country. Pflugerville residents who commute into Austin will spend an annual average of 41 hours in traffic.


3. Round Rock


Average insurance increase: 13.65%
15 mph ticket fine: $ 202
True cost: $ 616.36


Residents in Round Rock, who are Pflugerville’s neighbors, are hit with a slightly lower insurance penalty if they receive a speeding ticket. Their rates increase by an average of $ 138.12, to $ 1,150.04. By the time Round Rock’s speeding ticket fines are factored in, drivers are on the hook for $ 616.36.


Because of their proximity – and similar exposure to Austin traffic – it makes sense that Pflugerville and Round Rock drivers have similar insurance increases after a speeding ticket. The community has a slightly higher rate of traffic fatalities – 8 in 2012 — than their neighbor, although the number of accidents is about a tenth that of Pflugerville.


4. Corpus Christi


Average insurance increase: 13.58%
15 mph ticket fine: $ 200.10
True cost: $ 609.93


Corpus Christi drivers pay the 4th-highest insurance penalties for tickets — an increase of about $ 136.61. Their overall insurance cost, even with a ticket, is still a relatively low $ 1,142.42. Without a ticket, residents pay an average of $ 1,005.81. With the increase and a ticket from Nueces County, drivers will pay about $ 609.93 for going 15 mph over the limit.


Although Corpus Christi is the eighth-largest city in Texas, and also one of the country’s busiest ports, a slightly larger percentage of residents than the state’s average live below the poverty line. The city was also responsible for 27 of the county’s 38 traffic deaths in 2012. On the other hand, the FBI reports that Corpus Christi had a lower number of motor vehicle thefts than some smaller Texas cities, like Garland and Lubbock.


5. Austin


Average insurance increase: 13.42%
15 mph ticket fine: $ 238
True cost: $ 670.15


Despite being Texas’ 4th-largest city, Austin drivers pay lower average premiums — both before and after a ticket — than residents of some smaller cities and towns. However, they still experience an average rate increase of $ 144.05 after a ticket, from $ 1,073.08 to $ 1,217.13, and an expensive ticket. Over 3 years, the total cost will be about $ 670.15.


Austin drivers with clean records pay a relatively low rate for insurance, which may explain the large increase. Although the city is notorious for its traffic congestion, it’s also safe for vehicle owners. Austin has about half the number of vehicle thefts compared with larger cities, like Dallas and San Antonio. But commuters also have a slightly-lower-than-average travel time to work, according to the census data. As well, a smaller number of residents live below the poverty line than in some of Texas’ other large cities — like Houston and Dallas — although the rate is still above the state average.


Which metro area has the largest insurance increase after speeding tickets?


Beaumont, Groves, Nederland, Port Arthur and Orange, which are all in the Beaumont-Port Arthur metro area, round out the top 10 cities with the biggest insurance increases. In Beaumont, speeding 15 mph over the limit will cost a driver $ 189 for the initial fine and $ 452.61 in insurance increases. As a result, a single speeding ticket will cost the average Beaumont driver $ 641.61.


What do Texans in large cities pay for speeding?


While some of Texas’ biggest population centers are represented in the most and least expensive cities, others – like Dallas, Fort Worth, Houston, San Antonio and El Paso – fall somewhere in the middle in terms of insurance increases. Their tickets, though, are pricey.








































ac878 True Cost SPD


Embed this on your own site:


copy and paste the following snippet into your site


 <a href="http://www.costcarinsurance.net/wp-content/uploads/2014/06/ac878__True_Cost_SPD.jpg" ><img src="http://www.costcarinsurance.net/wp-content/uploads/2014/06/ac878__True_Cost_SPD.jpg" alt="?"/></a><br/> via:<a href="http://www.nerdwallet.com">NerdWallet</a> 

What should you do if you get a speeding ticket in Texas?


If you’re cited for speeding in Texas, your next step will depend on whether you think you can beat the ticket and if you have enough time to contest it. If you would rather just pay the fine, then you’ll have a speeding conviction on your record, which is 2 points on your license – 3, if your speed caused an accident – which your insurance company will consider when renewing your premium. In Texas, drivers face an annual surcharge after 6 points on their license, which could be suspended if there are additional traffic convictions.


If you decide to appear in court, you could be found guilty, have to pay the fine and an insurance increase anyway. Or you may be able to avoid some penalties, either by being found not guilty, or by asking for leniency from the judge. For example, San Antonio residents with minor speeding tickets, under 24 mph over the limit, may be eligible for defensive driving courses. They also could be eligible for probation with community service, or an another punishment. Once they complete the terms of their probation, they’ll avoid a formal conviction — and any insurance penalties.


The complete list:


RankingCityAnnual Insurance IncreaseTotal Insurance IncreaseFineTrue Cost
61San Antonio$ 142.16$ 426.48$ 198$ 624.48
70El Paso$ 129.17$ 387.51$ 200$ 587.51
107Fort Worth$ 124.06$ 372.18$ 210.10$ 582.28
119Dallas$ 126.64$ 379.92$ 226.10$ 606.02
122Houston$ 129.49$ 388.47$ 245$ 633.47




































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































Methodology


To determine the average insurance premium increases, we retrieved quotes for 4 different driver profiles in Texas: 27-year-old single men and women and 40-year-old married men and women each driving a Toyota Camry and a Ford Escape. For each driver profile, we chose the city’s 2 cheapest car insurance quotes to mimic consumer behavior and to determine our overall average. We only surveyed cities that had populations over 15,000 residents. We collected ticket information by calling cities’ municipal courts and calculated the true cost of the speeding ticket by adding the cost of a speeding ticket to 3 years of car insurance increases. The estimated costs are for illustrative purposes only. The actual insurance increases you face will vary depending on your insurance carrier, your location and other factors.


Texas Highway via Shutterstock



ac878 p 89EKCgBk8MZdE





True Expense of a Speeding Ticket in Texas following Insurance Increases
RankingCityAverage Annual Premium15 MPH Ticket Average% IncreaseAnnual Insurance IncreaseTotal Insurance Increase
1Lubbock$ 1,069.56$ 1,218.0013.88%$ 148.44$ 445.32
2Pflugerville$ 1,083.69$ 1,232.0613.69%$ 148.38$ 445.13
3Round Rock$ 1,011.92$ 1,150.0413.65%$ 138.13$ 414.38
4Corpus Christi$ 1,005.81$ 1,142.4213.58%$ 136.60$ 409.81
5Austin$ 1,073.08$ 1,217.1313.42%$ 144.04$ 432.12
6Beaumont$ 1,126.19$ 1,277.0613.40%$ 150.88$ 452.63
7Groves$ 1,126.19$ 1,277.0613.40%$ 150.88$ 452.63
8Nederland$ 1,126.19$ 1,277.0613.40%$ 150.88$ 452.63
9Port Arthur$ 1,126.19$ 1,277.0613.40%$ 150.88$ 452.63
10Orange$ 1,171.31$ 1,326.3113.23%$ 155.00$ 465.00
11Bryan$ 935.31$ 1,058.7513.20%$ 123.44$ 370.31
12College Station$ 935.31$ 1,058.7513.20%$ 123.44$ 370.31
13Kerrville$ 972.19$ 1,099.7513.12%$ 127.56$ 382.69
14Dickinson$ 1,005.13$ 1,136.0613.03%$ 130.94$ 392.81
15Friendswood$ 1,005.13$ 1,136.0613.03%$ 130.94$ 392.81
16Galveston$ 1,005.13$ 1,136.0613.03%$ 130.94$ 392.81
17League City$ 1,005.13$ 1,136.0613.03%$ 130.94$ 392.81
18Harlingen$ 1,249.00$ 1,411.2512.99%$ 162.25$ 486.75
19Weatherford$ 1,041.31$ 1,176.5612.99%$ 135.25$ 405.75
20Converse$ 1,086.34$ 1,226.9412.94%$ 140.59$ 421.78
21Universal City$ 1,086.34$ 1,226.9412.94%$ 140.59$ 421.78
22Burleson$ 1,037.38$ 1,171.6312.94%$ 134.25$ 402.75
23Cleburne$ 1,037.38$ 1,171.6312.94%$ 134.25$ 402.75
24Uvalde$ 967.94$ 1,093.1912.94%$ 125.25$ 375.75
25Tyler$ 1,069.06$ 1,207.3812.94%$ 138.31$ 414.94
26Lake Jackson$ 1,060.06$ 1,197.1912.94%$ 137.13$ 411.38
27Longview$ 1,138.30$ 1,285.3812.92%$ 147.08$ 441.23
28Sherman$ 993.13$ 1,121.4412.92%$ 128.31$ 384.94
29Alvin$ 1,062.94$ 1,200.2512.92%$ 137.31$ 411.94
30Angleton$ 1,062.94$ 1,200.2512.92%$ 137.31$ 411.94
31Marshall$ 1,135.13$ 1,281.6312.91%$ 146.50$ 439.50
32Abilene$ 907.56$ 1,024.4412.88%$ 116.88$ 350.63
33Pearland$ 1,079.19$ 1,218.0612.87%$ 138.88$ 416.63
34Kyle$ 969.13$ 1,093.8112.87%$ 124.69$ 374.06
35Seguin$ 969.13$ 1,093.8112.87%$ 124.69$ 374.06
36Waxahachie$ 1,040.00$ 1,173.7512.86%$ 133.75$ 401.25
37San Marcos$ 980.00$ 1,106.0012.86%$ 126.00$ 378.00
38Conroe$ 1,107.10$ 1,249.4312.86%$ 142.33$ 426.99
39Alice$ 911.50$ 1,028.6312.85%$ 117.13$ 351.38
40Kingsville$ 911.50$ 1,028.6312.85%$ 117.13$ 351.38
41Portland$ 911.50$ 1,028.6312.85%$ 117.13$ 351.38
42Midlothian$ 1,049.75$ 1,184.6312.85%$ 134.88$ 404.63
43Georgetown$ 982.40$ 1,108.5412.84%$ 126.15$ 378.44
44New Braunfels$ 997.88$ 1,125.8812.83%$ 128.00$ 384.00
45Cedar Park$ 989.88$ 1,116.7512.82%$ 126.88$ 380.63
46Cedar Park$ 989.88$ 1,116.7512.82%$ 126.88$ 380.63
47Taylor$ 1,000.13$ 1,128.2512.81%$ 128.13$ 384.38
48Lufkin$ 1,068.75$ 1,205.5612.80%$ 136.81$ 410.44
49Nacogdoches$ 1,068.75$ 1,205.5612.80%$ 136.81$ 410.44
50Laredo$ 1,169.56$ 1,319.1912.79%$ 149.63$ 448.88
51Cibolo$ 1,013.44$ 1,143.0012.78%$ 129.56$ 388.69
52Schertz$ 1,013.44$ 1,143.0012.78%$ 129.56$ 388.69
53Ennis$ 1,064.38$ 1,200.4412.78%$ 136.06$ 408.19
54Harker Heights$ 930.19$ 1,049.0612.78%$ 118.88$ 356.63
55Killeen$ 930.14$ 1,049.0012.78%$ 118.86$ 356.58
56Belton$ 937.75$ 1,057.4412.76%$ 119.69$ 359.06
57Temple$ 937.69$ 1,057.2912.76%$ 119.60$ 358.81
58Waco$ 967.19$ 1,090.5112.75%$ 123.31$ 369.94
59Huntsville$ 1,038.19$ 1,170.3812.73%$ 132.19$ 396.56
60Palestine$ 1,038.19$ 1,170.3812.73%$ 132.19$ 396.56
61San Antonio$ 1,117.08$ 1,259.2412.73%$ 142.16$ 426.48
62Odessa$ 1,079.16$ 1,216.0212.68%$ 136.86$ 410.58
63Bay City$ 998.19$ 1,124.6912.67%$ 126.50$ 379.50
64Victoria$ 998.19$ 1,124.6912.67%$ 126.50$ 379.50
65Del Rio$ 892.25$ 1,005.3112.67%$ 113.06$ 339.19
66Eagle Pass$ 892.25$ 1,005.3112.67%$ 113.06$ 339.19
67San Benito$ 1,249.00$ 1,407.2512.67%$ 158.25$ 474.75
68Mount Pleasant$ 1,058.44$ 1,192.3812.65%$ 133.94$ 401.81
69Texarkana$ 1,053.56$ 1,186.7512.64%$ 133.19$ 399.56
70El Paso$ 1,026.16$ 1,155.3312.59%$ 129.17$ 387.51
71San Angelo$ 879.56$ 990.0612.56%$ 110.50$ 331.50
72Wichita Falls$ 942.78$ 1,060.9612.54%$ 118.19$ 354.56
73Leander$ 1,058.56$ 1,191.2212.53%$ 132.66$ 397.97
74Brenham$ 955.19$ 1,074.8812.53%$ 119.69$ 359.06
75Baytown$ 1,181.81$ 1,329.7112.51%$ 147.90$ 443.69
76Big Spring$ 950.88$ 1,069.6912.50%$ 118.81$ 356.44
77Midland$ 950.88$ 1,069.6912.50%$ 118.81$ 356.44
78Pampa$ 1,042.81$ 1,170.7512.27%$ 127.94$ 383.81
79Hereford$ 1,015.38$ 1,139.5012.22%$ 124.13$ 372.38
80Plainview$ 1,015.38$ 1,139.5012.22%$ 124.13$ 372.38
81Greenville$ 1,011.50$ 1,133.9412.10%$ 122.44$ 367.31
82Alamo$ 1,278.75$ 1,433.4112.09%$ 154.66$ 463.97
83Donna$ 1,278.75$ 1,433.4112.09%$ 154.66$ 463.97
84Edinburg$ 1,278.75$ 1,433.4112.09%$ 154.66$ 463.97
85McAllen$ 1,278.75$ 1,433.4112.09%$ 154.66$ 463.97
86Mercedes$ 1,278.75$ 1,433.4112.09%$ 154.66$ 463.97
87Mission$ 1,278.75$ 1,433.4112.09%$ 154.66$ 463.97
88Pharr$ 1,278.75$ 1,433.4112.09%$ 154.66$ 463.97
89San Juan$ 1,278.75$ 1,433.4112.09%$ 154.66$ 463.97
90San Juan$ 1,278.75$ 1,433.4112.09%$ 154.66$ 463.97
91Weslaco$ 1,278.75$ 1,433.4112.09%$ 154.66$ 463.97
92Weslaco$ 1,278.75$ 1,433.4112.09%$ 154.66$ 463.97
93Copperas Cove$ 969.44$ 1,086.6312.09%$ 117.19$ 351.56
94Gatesville$ 969.44$ 1,086.6312.09%$ 117.19$ 351.56
95Brownwood$ 970.19$ 1,087.4412.09%$ 117.25$ 351.75
96Gainesville$ 970.19$ 1,087.4412.09%$ 117.25$ 351.75
97Mineral Wells$ 970.19$ 1,087.4412.09%$ 117.25$ 351.75
98Stephenville$ 970.19$ 1,087.4412.09%$ 117.25$ 351.75
99Paris$ 969.94$ 1,086.5612.02%$ 116.63$ 349.88
100Sulphur Springs$ 969.94$ 1,086.5612.02%$ 116.63$ 349.88
101La Porte$ 1,164.78$ 1,304.4411.99%$ 139.66$ 418.97
102Brownsville$ 1,249.00$ 1,398.5311.97%$ 149.53$ 448.59
103Deer Park$ 1,176.91$ 1,317.7511.97%$ 140.84$ 422.53
104Denton$ 1,039.78$ 1,163.2411.87%$ 123.46$ 370.38
105Amarillo$ 1,185.56$ 1,324.7511.74%$ 139.19$ 417.56
106Humble$ 1,207.84$ 1,349.2711.71%$ 141.43$ 424.28
107Fort Worth$ 1,063.71$ 1,187.7711.66%$ 124.06$ 372.17
108Keller$ 1,036.31$ 1,155.8811.54%$ 119.56$ 358.69
109North Richland Hills$ 1,055.75$ 1,177.3111.51%$ 121.56$ 364.69
110Arlington$ 1,071.56$ 1,194.3311.46%$ 122.77$ 368.31
111Haltom City$ 1,066.69$ 1,188.5011.42%$ 121.81$ 365.44
112South Houston$ 1,169.59$ 1,299.7511.13%$ 130.16$ 390.47
113Mesquite$ 1,158.49$ 1,287.3311.12%$ 128.84$ 386.53
114Balch Springs$ 1,148.88$ 1,276.3811.10%$ 127.50$ 382.50
115Mansfield$ 1,032.31$ 1,146.4411.06%$ 114.13$ 342.38
116Pasadena$ 1,170.51$ 1,299.7511.04%$ 129.24$ 387.72
117Wylie$ 1,110.88$ 1,232.3110.93%$ 121.44$ 364.31
118McKinney$ 1,127.73$ 1,250.9810.93%$ 123.25$ 369.75
119Dallas$ 1,159.05$ 1,285.6910.93%$ 126.64$ 379.93
120Bellaire$ 1,182.78$ 1,311.4410.88%$ 128.66$ 385.97
121Terrell$ 1,154.19$ 1,279.0610.82%$ 124.88$ 374.63
122Houston$ 1,203.62$ 1,333.1110.76%$ 129.49$ 388.48
123Lancaster$ 1,170.13$ 1,294.5010.63%$ 124.38$ 373.13
124Stafford$ 1,199.25$ 1,326.4410.61%$ 127.19$ 381.56
125Missouri City$ 1,195.28$ 1,319.8810.42%$ 124.59$ 373.78
126Colleyville$ 1,015.75$ 1,120.1310.28%$ 104.38$ 313.13
127Grapevine$ 1,015.25$ 1,119.4410.26%$ 104.19$ 312.56
128Southlake$ 1,015.25$ 1,119.4410.26%$ 104.19$ 312.56
129Corsicana$ 990.06$ 1,091.5010.25%$ 101.44$ 304.31
130Denison$ 993.13$ 1,094.8110.24%$ 101.69$ 305.06
131Sugar Land$ 1,188.63$ 1,309.7110.19%$ 121.08$ 363.25
132Euless$ 1,035.97$ 1,141.3110.17%$ 105.34$ 316.03
133Hurst$ 1,023.44$ 1,127.4710.16%$ 104.03$ 312.09
134Bedford$ 1,016.31$ 1,119.5010.15%$ 103.19$ 309.56
135Plano$ 1,109.79$ 1,221.5910.07%$ 111.80$ 335.41
136Little Elm$ 1,084.75$ 1,193.2510.00%$ 108.50$ 325.50
137Rowlett$ 1,165.31$ 1,281.669.98%$ 116.34$ 349.03
138Lewisville$ 1,071.35$ 1,178.109.96%$ 106.75$ 320.25
139Richardson$ 1,155.06$ 1,269.969.95%$ 114.90$ 344.69
140Rosenberg$ 1,167.44$ 1,283.069.90%$ 115.63$ 346.88
141Duncanville$ 1,201.63$ 1,320.009.85%$ 118.38$ 355.13
142DeSoto$ 1,200.44$ 1,318.699.85%$ 118.25$ 354.75
143Cedar Hill$ 1,188.63$ 1,305.509.83%$ 116.88$ 350.63
144Irving$ 1,141.15$ 1,250.209.56%$ 109.05$ 327.16
145Rockwall$ 1,166.81$ 1,277.819.51%$ 111.00$ 333.00
146Allen$ 1,110.88$ 1,213.699.26%$ 102.81$ 308.44
147Frisco$ 1,120.48$ 1,222.909.14%$ 102.42$ 307.25
148Grand Prairie$ 1,124.81$ 1,225.428.94%$ 100.61$ 301.83
149Carrollton$ 1,111.65$ 1,210.158.86%$ 98.50$ 295.50
150Coppell$ 1,106.38$ 1,204.138.84%$ 97.75$ 293.25
151The Colony$ 1,084.75$ 1,180.508.83%$ 95.75$ 287.25
152Sachse$ 1,179.88$ 1,283.818.81%$ 103.93$ 311.79
153Garland$ 1,176.81$ 1,280.398.80%$ 103.58$ 310.73
154Flower Mound$ 1,058.81$ 1,151.448.75%$ 92.63$ 277.88
Average$ 1,074.68$ 1,202.2411.91%$ 127.56$ 382.68