"Took forever to shake that off..."
Yeah, speeding tickets can linger on your record longer than most folks realize. But here's something I've wondered about—do you think insurers weigh a single out-of-state ticket differently from multiple local infractions? In my experience, location matters quite a bit, especially in states like Mississippi where rural vs. urban zip codes can swing premiums noticeably. Has anyone noticed if insurers here treat driving history more harshly than location, or vice versa?
"do you think insurers weigh a single out-of-state ticket differently from multiple local infractions?"
From what I've seen, insurers usually prioritize your driving record first—tickets, accidents, etc.—then factor in location. A single out-of-state ticket might sting less than multiple local ones, but either way, your premiums will feel it...
I've had my fair share of tickets (unfortunately), and honestly, insurers seem to care more about frequency than geography. One out-of-state ticket barely nudged my rates, but when I got a couple local ones close together... ouch, that hurt way more.
"One out-of-state ticket barely nudged my rates, but when I got a couple local ones close together... ouch, that hurt way more."
Yeah, frequency definitely seems to matter most. Got dinged twice in town within six months—my wallet still hasn't forgiven me. Ironically, a friend moved across state lines expecting cheaper rates, but his record followed him and kept his premium high. Guess the insurers care less about your zip code and more about how often you give 'em headaches...
Actually, both location and driving record factor into your premiums, but insurers weigh them differently. Your driving history usually has the biggest impact—especially frequency and severity of violations. But location matters too, since insurers analyze local accident rates, theft stats, and even repair costs. So while moving might help a bit, your friend's experience isn't unusual. Best bet is always keeping your record clean... or at least spacing out those tickets if you can manage it.
