I just got a speeding ticket on Friday. Looking forward to crazy premiums on my new, owned by an under25 year old male sports car.

Ouch. Though I always aim to drive right at the speed limit, I have 6 years to go before I'm 25. Hope driving won't be too much of a financial burden for you.

If it does go to my license, pending a court appearance, it will be the only point on my license so I hope the change in my premiums isn't too drastic. Gotta pay to play, maybe I'll slow down this time.

I'd recommend doing whatever you can to get that off your record before you buy the car. Maybe you could try locking in your insurance now before the ticket is official.

I got a speeding ticket a few years ago, it was like $75 bucks, big deal, I just paid it. 6 months later I was shopping for insurance, that one damn ticket raised my premiums by like $500 a year... and wouldn't come off for 3 years of clean driving. It would have easily been better to hire a lawyer and/or take driving school.

It's kinda rediculous how insurance companies work, if I totaled a car into a school bus it would basically affect my premiums the same as a 13 mph speeding ticket.

I'm fully aware and intend to do so; I've fought every ticket I've ever gotten. State Troopers always show up to court though. I'm hoping the judge will just let me pay double the fine instead of assessing points.

Wait, so you will be adding this to your parents policy then I'm assuming?

If so that explains the number, otherwise that number is shockingly low for a 20 year old.

Uhmm, so why exactly one should get it if he/she already has AAA, keeping in mind that new Subarus come with roadside assistance included? Sound like 100% pure profit for the insurance.

It's weird, it's my policy but we all use the same company. It's not under my parents but they give us discounts because we have so many with them

Less than $7 over the course of a year is hardly profit. Your average person could care less about the 54 cents a month.

Besides, not everyone gets it anyway, so it's not forced upon anyone. It is an optional coverage. Also, even if you already have AAA, if you're the type of person who is prone to misfortune, this might be a good idea. A client/friend of mine who bought a policy from me didn't want it since she already had AAA, but she said that it wasn't a big deal, so she left it on. And you know what ended up happening? It saved her money, because she's a bit on the ditzy side and has locked herself out of her car many times to the point where all of her free lockout services through AAA had already been used up during that term, so the $6.50 added to her policy made her day a lot easier. And at $6.50 over the course of a year, ONE use of that already means that they lost money on you.

A lot of new cars alread come with it (which you can also view as pure profit since most people don't use it or even know about it), but the roadside assistance plan through your insurance company is a good alternative if you are buying a car that doesn't come with roadside assistance, whether it's because it's used or that manufacturer just doesn't offer it.

But again, if you do have it and you're not likely to use it anyway (whether it's because you have AAA and/or roadside from the manufacturer or because you aren't likely to lock yourself out), then stick it to the insurance companies and keep your money and buy an extra box of Tic-Tacs every month so you can say that you don't want insurance companies to profit.

By the way, insurance companies not profiting (which happens more often than you think, though most people don't realize it or even think it is possible) means that rates go up.

They are either using all of the policy numbers (as an insured may be on the different policies, even if they are not the first named insured) to do that, or if it's a company like Progressive, their systems may detect that automatically and apply the discount anyway since there may be multiple policies within the same household.

100% useless on a new BRZ then.

Yeah, so just be sure to not add it onto your policy then. Save yourself a cool ~$10 over twelve months.

If you want to promote products that are useless to most people here - I suggest you contact site administrators, get a 'vendor' status and continue your sales pitches in proper subforum.

I'm not promoting anything, I was explaining stuff on a link that someone else posted (for a specific company that I don't even sell, which I've stated). Some people appreciated the input from someone in the industry (versus people who think that they're experts because they bought a policy once upon a time), some people were indifferent and skipped over it. But until you see me posting links to my websites or telling people to PM me for such-and-such services, then your criticism is unwarranted. Feel free to report me to your favorite admin if you think otherwise. But thanks for reading my posts!

:happy0180:

You've PM'd me before. It was very helpful information though :)