Car insurance question

[Triumph]

I just went and did a Geico online quote, putting all three of my speeding tickets in. One 80 in a 65, one 70 in a 55, one 62 in a 50 (yeah yeah yeah, I don't want to hear it ). Listing everything as minimum coverage, it still came out to like 2000 a year! With normal coverage, it's like 3000! :Q

Now here's the thing... It doesn't seem that my current insurance knows about these tickets, because they were all out of state (WV and NC, I live in PA), and my rates have never gone up. Who knows if the police sent anything to Pennsylvania. Or maybe my current insurance doesn't check records periodically? I mean, if these tickets are only listed in a filing cabinet in some clerks office in the middle of nowhere, should I even bother telling the insurance companies about them? It'd save me quite a bit of money. Could I check my PA driving record and see if they are listed?

I'm gonna have to figure out what to do here, this is way too much money!

 

[Maverick]

they may not be listed. It depends on your state's policy for tickets encountered in other states. Sometimes you don't have to pay those tickets. For example, I'm licensed to drive in Colorado. Under our state driving laws, if I were to get a ticket in certain states (e.g. Wisconsin) I don't even have to pay those tickets. Other states don't have jurisdiction to suspend my license. It varies from state to state. Go to the DMV and ask them for a motor vehicle record. It costs like 3 bucks.

 

[vi edit]

My insurance company won't reflect tickets unless I request a change in policy and they pull my drim record. If I keep the same policy for 5 years, I'll never have to worry about them.

 

[GoodRevrnd]

Most ins policies will reflect the tickets after a term renewal (usually 6 months). However, they won't reflect them if the DMV hasn't added them to your record yet, which can sometimes take up to a year if you're lucky. BTW, speeding in excess of 15+ is a killer as far as rates go.

 

[Triumph]

Looks like I'll have to try and stay on my parents policy as long as I can!

 

[Viper GTS]

Originally posted by: Triumph
Looks like I'll have to try and stay on my parents policy as long as I can!

Being on your parents' policy is a definite money saver, if they'll let you stay by all means use it.

Just don't get tickets, my parents hit the ceiling when I got a ticket, so I said screw this & got my own policy.

No more bitching from them.

Viper GTS

 

[Frenchie]

PA's interstate compact transfers only a limited number of driving related offenses into PA: drug/alcohol related offenses, felony matters, those involving death/personal injury. Speeding tickets not involving the above are not transferred in PA. The other states may report them to PA, but PA will not record them.

 

[Triumph]

wow, thanks frenchie. i'm curious though, how did you learn of this? was it just something you read on the internet? thanks.

 

[Viper GTS]

Originally posted by: Triumph
wow, thanks frenchie. i'm curious though, how did you learn of this? was it just something you read on the internet? thanks.

He's a lawyer.

Viper GTS

 

[Cyberian]

Originally posted by: Shiva112
they may not be listed. It depends on your state's policy for tickets encountered in other states. Sometimes you don't have to pay those tickets. For example, I'm licensed to drive in Colorado. Under our state driving laws, if I were to get a ticket in certain states (e.g. Wisconsin) I don't even have to pay those tickets. Other states don't have jurisdiction to suspend my license. It varies from state to state. Go to the DMV and ask them for a motor vehicle record. It costs like 3 bucks.

Wow!
You sure about that? I don't live in Colorado and my last ticket was many years ago, but I'm just curious.

 

[mithrandir2001]

Originally posted by: Frenchie
The other states may report them to PA, but PA will not record them.

Good, because Jersey cops just LOVE pulling over PA drivers for all kinds of crap. Harrassment if you ask me.

 

[Frenchie]

i'm curious though, how did you learn of this?

See what Viper GTS said. Having had a few clients living in PA and getting into trouble in NJ, NY, and Minn with motor vehicle related matters, I've had to study up on PA's interstate compact.


Good, because Jersey cops just LOVE pulling over PA drivers for all kinds of crap.

Yep, and PA police love pulling over Jersey drivers!

 

[dcdomain]

Wassup guys... one of my bros looking for insurance right now in PA, so I thought I'd jump into this discussion. I'm currently insured under my parents, but I'm thinking about going my own way. I have a tendency to drive fast (not reckless) because in truth, I hate driving. I just want to get from point A to point B as safely and fast as possible so I can get the hell out of my car. And because of that, I've just gotten my 4th speeding ticket. And my parents are quite naturally very PO'd at me.

Know what's a pain in the ass? Having to be covered in Jersey. Freaking Jersey accepts from violations from everywhere I swear. Two of the tickets I got in PA and if it was almost any other state, it would have never transferred!

Anyway I'm thinking about switching to PA insurance. Any of you have any to recommend? From the little research I've done, it looks like Geico is the way to go...