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For those who have allstate insurance, how many points can you have from violations before the price goes up?

 
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i have allstate. I think it's two. Not 100% sure though

 
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Check with the company, most companies actually go by the violation that appears on your record, not the actual points associated with it. They have their own system for charging you according to what you did....

 
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mine actually allowed my first offense (stop sign), but the rates went up when i had an accident 2 years and 8 months later (just 4 months before other infraction came off [IMG]i/expressions/face-icon-small-mad.gif[/IMG] ). but i got a speeding ticket last week so i get to see how they wanna screw me now. mine jumped like $150 every 6 months the last time.

 
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With my insurance once you get 4 points your insurance goes up. But I have State Farm.

 
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Lets see, my first speeding ticket I took defensive driving, my second ticket cutting off a cop without a blinker... well I took that one to court and fought it and won the court battle. He said I was following to close but my friend (representing me) said if I was following to close to be driving safely then why didnt he ticket me for that as well, destroyed the cops credibility and they said I wasnt guilty. I admitted to not using my blinker but there is a law that says if you are in imidiate danger you dont have to use your blinker because you dont have time to react. The prosecuter was very stumped when I addmitted that I didnt use a blinker it was quite amusing. I recently got a ticket for speeding, radar detectors from best buy the cheap ones break easy, cuz my detector didnt go off. I saw the cop plane as day and he gunned me going 82 on a 65... supposedly I dont think I was going that fast. Anyways Im going to refer to judication for that one, basically dont get another moving violation for 3 months and your off the hook completely, except that in texas you have to pay a 50 dollar court fee I dont know what it is in other places though.

 
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do accidents count as points? if you were the cause? and you had another car at the time?

 
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You don't get points for an accident........unless you were written a ticket by a cop of something. But none the less your insurance still might go up if you have enough accidents.

 
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If yoru in an accident your rates will no doubt go up. Even if its no fault of your own. It happend to a friend of mine, and well even though I had an accident last year and it cost about $10,000 CDN to repair my car, my rates only went up about $150, not bad actually. But I dont think I can get a much higher premium, I am paying over $3000 CDN a year.

 
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so a ticket equals a point? the officer said that he wasnt going to give me a ticket but my speeding violation will be recorded so the next cop who catches me can decide on my punishment. does that give me a point? by the way, thanks for the replies

 
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Points are based on the infraction...and come with moving violations. So basically you don't get points with a parking ticket...but you will if you do various things.

The point system varies by area, but here's NYC / NY State as an example.

Blocking the box (intersection): 2 points
Backing up in a toll booth: 2 points
1-9 mph over the speed limit: 3 points
10-19 mph over the speed limit: 4 points
etc.

I'm sure you can either get all the point values from your DMV.

 
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I have been in 1 accident (car totaled), reckless driving, and running a red light all totalling 7 points...in PA, I had to take a mandatory written test for over 6 points, passed the test and 2 points were removed automatically...my insurance has been pretty forgiving to me, hasn't really went up too much...I have Erie Ins

2Hottie

 
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Holy ****, what insurance company are you with? I'm with State Farm (Rob Scott) and I pay like $120CAD/mo (1440/yr). No accidents/driver's ed discount/good student discount. BTW, I am 21 - you should look into it. Was the accident your fault? If not, then your insurance co. should never find out/care about it cause they shouldn't have to pay out anything as long as you were 0% at fault.

Oh, insurance on my winter car (90 Grand Am LE) is about $80/mo and that includes fire/theft on my hibernating 7th gen Civic - I have absolutely no complaints about State Farm, they have treated me very well.

 
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I pay $78 dollars a month for full-coverage with Colonial Penn Insurance. That's at the max coverage in all 3 areas as well.

You have to check with your insurance company specifically to find out how their system works. You also have to check with your state laws. I have one speeding ticket that I got a few months ago for 87/65. I went to court and got it reduced to 74/65. In NC you are allowed one speeding ticket w/o penalty if it is 9 or less over the limit. This is for a 3 year period of course.

Accidents can cause your insurance to go up. They base the amt of the increase on the amt of money they have to pay out. If it wasn't your fault and your insurance didn't have to pay out, your policy shouldn't increase.

Although, one of my best friends got his insurance doubled as a result of accidents. He was involved in like 3 accidents that weren't his fault. Bad luck I guess. Anyhow, they said he was a bad driver or something.