Is It Worth The Extra Money It Costs For A Ticket Amendment?
Is it cost effective to pay more to keep it off your record?
Generally yes. Insurance companies routinely check their client's records and an increase of 10 - 20% in your rates for around 3 years (the length of time a moving violation stays on your record) can be expected. Call your insurance company and ask. Or better yet, call an insurance company that is not yours so you don't give them a "heads up" on what you've got going on. Just ask a hypothetical question.
We get a lot of calls when people get that letter in the mail from their insurance companies stating that their rates are being raised due to moving violation on their record. Then, it's too late. We just tell the people, "call us before you plead guilty the next time:".
There are other effects of moving violations on your record such as points towards license suspension, effects on credit score, etc. Those may or may not affect you and are more difficult to measure. Insurance rates are the thing that really cost you.
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