insurance prices for "high risk" drivers

[Maverick]

So one of my friend's got a speeding ticket and his insurance rates went up. One of my other friends got a DUI and his rates went up as well? Wanna know how much the difference was? Less than $15/month. This was from Progressive.

So getting even one ticket pretty much lumps you in the same category as someone who got caught drunk driving and arrested. Doesn't seem fair somehow.

 

[oniq]

Thats weird. I think that if you are caught drinking and driving your insurance rates should go up so high that you won't even be able to afford any alcohol. My friend had a DUI.. as well as a couple speeding tickets I believe, he pays $580 a MONTH for insurance! Of course this is FULL coverage as his car was bought with a loan. I bought a new car with a car loan also and pay $350 a month, no speeding tickets or DUI. But I've only had my license for a year. Mine will go down, and I'm sure his will go up eventually as he still has not learned his lesson about driving drunk. Too bad.

 

[MikeMike]

350 a month!!!! holy shitttitititititiitt! 350*12=4200!!!!

i know a high risk family who gets lower insurance than you!

i get around 1500$ ive had mine for less than six months, driving a 1999 Chevy Tahoe

 

[Demon-Xanth]

I have an 02 Dakota and drive about 16k/year and pay $1600/year w/ AAA (it works out to 10 cents/mile, if I drove less it'd be that much cheaper). But they don't care if you get one minor ticket every three years. What puts me in the "high risk" catagory isn't the tickets I seem to get once every 8 years, it's the fact that I'm a 23 year old male. Though my sister would've had to pay $6k/yr for her Civic due to accidents and tickets. (they advised her to go somewhere else)

 

[dman]

Sometimes it takes a while for them to catch up w/ your record. Probably 6mo to a year after the case is closed (guilty) in court before the big increase would take place. However, they might go ahead take away your "safe driver" discount for getting any ticket on file before it is settled which would be the (unknown) increase here maybe (or not).

If he tried getting new insurance after conviction I bet the rates would be a lot higher right away.