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Experience with Geico Insurance? Effect of 1 Speeding Ticket on Premium?

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Old 02-22-2006, 07:32 AM   #1
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Default Experience with Geico Insurance? Effect of 1 Speeding Ticket on Premium?

I recently got my first speeding ticket, and I'm wondering how much I should expect my insurance premium to go up. This is my first traffic violation.

I called Geico to ask about my situation but I did not want to provide my policy # to flag my account for their inspection. As a result, they would not give me any information. So I was hoping some of you could give me some input based on your experience with Geico or other insurance carriers.
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Old 02-22-2006, 07:37 AM   #2
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Default Re: Experience with Geico Insurance? Effect of 1 Speeding Ticket on Premium?

you probably will get dropped
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Old 02-22-2006, 07:39 AM   #3
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Default no impact

i've never reported any ticket to GEICO and I understand that they rarely check your history, and then, only when you change coverage or let your policy lapse and need reinstatement. My policy gets cheaper and cheaper every year.

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Old 02-22-2006, 08:05 AM   #4
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Default don't volunteer any info to them. if they find out, admit it & blame bad memory

or being too busy to call them, blah, blah. insurance companies have no resources to constantly check driving records of all drivers. i'm sure those with multiple infractions are monitored on regular bases, but i doubt it applies to otherwise good drivers.
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Old 02-22-2006, 09:15 AM   #5
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Default depends how much you were speeding...

0-14 miles per hr usually will not yeild a surcharge the first time, 15- on will get you a surcharge all the time if they find out. Dont tell them as people have said. I used to work for Geico and they only review the policies that have had some sort of at fault claim usually or are suspect to fraud. They review last I heard of only 20% of their book of business
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Old 02-22-2006, 10:41 AM   #6
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Default

You called them?
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Old 02-22-2006, 10:47 AM   #7
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Default I didn't give my name or policy number.

They wouldn't give me a hypothetical value for the premium increase.
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Old 02-22-2006, 10:57 AM   #8
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Default ehh.. i dunno about that... Get a new company anyways...

When i first applied for geico last year i had nothing on my record except a speeding ticket of 71 in a 65... most insurance companies dont even count that against you so i actually forgot to put it on when i apply for geico coverage. Without the ticket i was giving a quote of 1600 for the year in NJ. When I got the papers, they did notice the tickets and it effected my price, pushing it up to almost 2300 for the year. And its going to stay on your record until for FIVE YEARS for Geico, unlike 3 or 2 for most companies

. I would tell you to dump Geico anyways. Their prices are competitive but a family friend who is an insurance rep says they've been known to screw around with coverages to display a better price. He was right too.. my PIP was like 15K/30K and i picked the above average coverage through them.. Really should be like 150K/300K or 250/500K.. Havent been overly impressed with them in 6 months.. anyone happy with them?
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Old 02-22-2006, 02:05 PM   #9
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your premium will go up if you change companies...
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Old 02-22-2006, 05:09 PM   #10
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Default i wouldnt even use Geico if it was free..they promote laser and radar guns/devises for the pigs...

ohh i mean cops...
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Old 02-23-2006, 06:59 AM   #11
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and that's why you won't use them? seems like a pretty silly reason
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Old 02-25-2006, 02:16 PM   #12
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Default You should get an attorney and force the state to prove the charge....m

More often than not, a traffic lawyer will get the ticket dismissed or reduced. The cost is a lot less than you will pay in fines and increased insurance. With a lawyer representing you, to protect your rights, you won't just be a cash cow for the jurisdiction that issued the ticket. Seek a lawyer focusing on traffic law in the area for that District Court.
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