The best way to avoid paying surcharges for traffic violations is to pay more money than what you owe on the fine, but not alot more - maybe 50 cents more. The logic is that the municipality or state that issued the ticket is required to "finalize all proceedings" before they notify your insurance company who would then levy the surcharge. The city or state would be required to reimburse you the extra amount that you paid before they could finalize. If they owe you a large sum of money, they would want to clear that from their books. If they owe you 50 cents, your file will sit at the bottom of an endless list that will never be processed! For 50 cents, you save yourself hundreds of dollars in unwanted surcharges.
I know when I got a ticket, I went to the courthouse and met with one of the people there and told them to "stay" the ticket. Which meant that if I didn't get another ticket within a year of that ticket, it would not go on my insurance. However, if you got another ticket, then both would go on your record. I have also heard that if the ticket is less than 10 mph over the limit, then it automatically doesn't go on your insurance. However, I think this might be a myth, because when I went to "stay" my ticket I was going 37 in a 30, and the worker never said anything about it not going on my insurance. It may also have something to do with select counties too.
Photo tickets are considered a moving violation. Moving violations will increase your auto insurance premiums if you are found guilty. When you pay the fine associated with your photo ticket, you are admitting guilt. If you go to court and fight the ticket, you can request traffic school. Going to traffic school or fighting the ticket are the only two ways to prevent an increase in your insurance rates.
The speeding ticket itself is a factor as well as the amount of speed you were going. Basically, if you get a ticket for speeding, your rates will go up. In some states, they can't up your insurance if you take a traffic course in driver safety through the state, providing you take the course in response to the ticket. Nor can they increase your rates if you take the ticket to court and win your case.
Every insurance company sets their own rates, so there really is not a specific answer to this question. There can be other factors to consider as well, such as what the actual speed limit was.I would expect a significant increase the next time your insurance company re-rates your policy.Be aware, your DMV's points system is used to determine whether or not your license should be suspended and, generally speaking, has nothing at all to do with your insurance premiums.
i just got this same ticket the other day. i am 18 and need to know how this will affect my insurance. i was going 81 in a 65 but all the traffic around me was going the EXACT same speed, if not faster. i still don't understand how i got the ticket, but i did so i have to deal with it. how much will my insurance increase? would it be worth it to take it to court or to just pay the ticket and take traffic school? could i be denied traffic school because i was 16 over?