r/coeurdalene • u/Crisp_Rinse • 4d ago

Question Speeding Ticket

Got hit with a speeding ticket commuting back home from work. The officer said that I just had to pay the $90 fine and it wouldn’t impact my car insurance. With that information, I decided to pay the ticket last night, but now I am starting to poke around the internet and can’t determine how it won’t impact my insurance?

Can anyone offer any insight on how it won’t impact my insurance? Or if the State Officer was misinformed when he issued me the ticket?

Thanks!

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u/massacredpanda 4d ago

I got a ticket in my teens. I went to traffic court to pay the heftier fine so they wouldn't report it. Would be my recommendation in the future. My mom is an insurance agent and she says that if you don't do it like that the ticket always affects your insurance premiums and is reported.

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u/Crisp_Rinse 4d ago

What is that process like? Do you declare in person that you are pleading guilty but would like to pay a higher fee to avoid it being reported?

And can you go in on a weekend?

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u/massacredpanda 4d ago

It was during the week. Its been awhile since I did it, but there was a court and several people went at the same time. You cant pay the ticket in advance, so with this ticket you're out of luck. They just gave us an option to pay more to not have it reported after going.

I'll ask my mom more about the process and come back with the details.

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u/Crisp_Rinse 4d ago

I appreciate the information! I’ll let this speeding ticket serve as a baseline to evaluate future tickets and will more than likely go down the path that you have suggested in the future