He got me! There I was, caught like the proverbial deer in the headlights of a police cruiser on a darkened road in the New Jersey pinelands. The red and blue bubble-gum machine lights atop the cop car alerted every motorist within miles that I was getting a ticket.
It was humiliating, and a costly courtroom experience, even when you pled guilty. But my worst fear was that my car insurance rates would go up $400 a year with those dreaded points on my license.
Well, that didn’t happen.
“We don’t raise your rates because you get a ticket,” said my insurance agent. Whew! And when I had an accident that wasn’t my fault but still cost my insurer $1,500, my yearly rate still didn’t go up.
Apparently I’m not alone. USA Today recently cited a study by Princeton Survey Research Associates International that said just 31 percent of drivers who received a moving violation within the last five years were hit with higher rates.
Some insurance experts felt that the survey results were bogus. (continue reading…)