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Affordable Traffic Ticket Insurance for Drivers

by Diana Rangaves

Was the last traffic ticket you received a complete surprise? While some people might take risks on the road, most drivers certainly don't intend to violate traffic laws. When you think about the hefty fines, or the hassle of fighting a ticket in court, it's clear that traffic violations come with unpleasant repercussions.

But life is unpredictable, especially when it comes to driving. Let’s say, for instance, you're late for an important meeting, and in the process, you rush and accidentally run a stop sign. You’re likely to pay a fine even if that was unintentional. That feeling alone could ruin your day.

While these situations are frustrating, there's a solution to relieve your stress which is the Traffic Ticket Insurance from Auto Allies. This insurance covers your traffic tickets regardless of the state you're in for less than $1 a day. With it, you have attorneys fighting your case for free without being physically present.

In case you’re hearing about this for the first time, this article will shed some light on it, showing you its benefits, how you can get started, and other relevant information relating to traffic tickets.

So, let’s dive in.

What is Traffic Ticket Insurance, and How Does it Work?

Traffic Ticket Insurance is a subscription service offered by Autoallies to provide legal defense for traffic tickets and auto-related legal issues for a low monthly fee. For less than $1 a day, members receive coverage for attorney fees, representation in court, and access to a nationwide network of lawyers.

The service aims to simplify the legal process following a Traffic Ticket. It allows members to upload their tickets and have legal professionals handle the rest without disruption of their daily activities.

The Benefits of Traffic Ticket Insurance

Affordable Legal Protection

A quick search for ticket fines and penalties in the states showed that people can pay as much as $500 in fines for certain traffic violations. In states like New York, fines can go as high as $600 for serious speeding offenses.

Even if your situation doesn't result in a fine, the average cost of hiring an attorney to contest a ticket can be around $200.

But the case is different with Traffic Ticket Insurance from Autoallies, as you can receive legal protection for less than $1 a day. This solution is approximately 80% cheaper than the average cost of hiring an attorney.

Convenience

A typical process that follows receiving a traffic ticket includes several steps.

  • Receiving the ticket
  • Paying the fine or contesting the ticket
  • Court appearance
  • Hiring an attorney to improve the chances of a favorable outcome.

Going through all these stages for each traffic ticket you get can lead to stress, especially when you’re not used to the legal system. This is where Traffic Ticket Insurance from Autoallies comes in. With it, you don't have to go through all that hassle. The only requirement is to upload your ticket online and let the service manage the rest.

Timesaving

Using Traffic Ticket Insurance from Autoallies significantly reduces the time you would otherwise spend on court appearances and locating an attorney. This is because uploading your ticket online takes just a few minutes, thus allowing you to focus on your daily responsibilities.

Nationwide Network of Lawyers

Traffic Ticket Insurance gives you access to experienced attorneys across the country. So, regardless of the state you find yourself in, this traffic ticket insurance covers you.

How to Get Started with Autoallies Traffic Ticket Insurance

  1. Visit the Auto Allies Website.
  2. Choose a plan and sign up for the service, whether monthly or annually.
  3. If you receive a traffic ticket, take a photo and upload it through your account.
  4. Auto Allies will assign a legal professional to handle your case.
  5. Stay updated about your case's progress.

Autoallies Traffic Insurance Pricing

Auto Allies offers Traffic Ticket Insurance for a monthly fee of $28 and an annual fee of $316, which is approximately less than $1 a day. With this subscription, you’ll have access to legal coverage, including attorney fees and court representation.

How Do Traffic Tickets Affect Your Insurance

Looking at recent Google search trends, we noticed that people are uncertain about whether traffic tickets can lead to an increase in insurance premiums. Most of these inquiries center around the question, "Do speeding tickets affect your insurance?"

The short answer is YES. Being convicted of moving violations like speeding can raise your insurance rate by as much as 20-30%.

However, the impact depends on the severity of the violation. Minor violations, such as using a mobile phone while driving, illegal parking, or driving with an expired license, have a smaller effect on your insurance rates.

In contrast, major violations like driving under the influence (DUI), reckless driving, and hit-and-run incidents can increase your premiums. They may even result in your insurer dropping your coverage altogether.

Here are some examples of common traffic violations and the average percentage increase in insurance rates according to Zebra and Insurance Quotes.

  • Second DUI/DWI Offense: Increases rates by 186% on average.
  • Two At-Fault Property Damage Accidents Over $2K: Increases rates by 117% on average.
  • Hit and Run (Injury): Increases rates by 96% on average.
  • First DUI/DWI Offense: Increases rates by 90% on average.
  • Reckless Driving: Increases rates by 82% on average.
  • Two Speeding Tickets (11 mph or over): Increases rates by 58% on average.
  • Speeding (30+ mph over limit): Increases rates by 39% on average.
  • Careless Driving: Increases rates by 37% on average.
  • Speeding Ticket (11-29 mph over limit): Increases rates by 34% on average.
  • Texting While Driving: Increases rates by 27% on average.

These are just some of the violations. The summary is that the severity of the violations heavily influences the rate increase.

Ways to Avoid Insurance Premium Surge

Maintain a clean driving record

A history of traffic violations and accidents will definitely lead to increased insurance premiums, as discussed earlier. So, you should strive to keep your record spotless by taking proactive measures such as enrolling in a defensive driving course or contesting any unjust tickets.

Meanwhile, fighting your traffic tickets has been made easier with the Traffic Ticket Insurance from Autoallies where you’ve got free access to attorneys who are ready to contest your tickets on your behalf.

Shop around for insurance regularly (every 6 months or annually)

Don't be loyal to your current insurer forever. Loyalty discounts are not as common these days, and you might find a much better deal with another company. So, save yourself from increased insurance premiums by shopping for options.

Take advantage of available discounts

Many insurers offer discounts for things like low mileage, good student grades, owning safety features on your car, taking defensive driving courses, and even having a multi-car policy. Look for available ones relevant to you and take advantage of them.

Avoid filing unnecessary claims

For minor repairs, consider paying out of pocket to keep your claims history clean. This is especially important if the cost of repairs is close to your deductible.

Increase your deductible

The deductible is the amount you pay out of pocket before your insurance kicks in. Raising your deductible lowers your premium. However, make sure you can comfortably afford a higher deductible if you need to file a claim.

Take Away

Traffic tickets can cause financial burdens like hefty fines and increased insurance premiums. However, with Autoallies Traffic Ticket Insurance, drivers can minimize these consequences affordably.

For less than $1 a day, you gain access to a nationwide network of experienced attorneys who handle your traffic violations, saving you time, stress, and money.

This service not only simplifies the legal process but also provides peace of mind, ensuring you can focus on your daily responsibilities without the looming worry of traffic ticket repercussions.

With the comprehensive protection offered by Autoallies, you can drive with confidence, knowing that professional legal support is always at your fingertips.