Will Auto Insurance Go Up With No Drivers License Ticket

Reader’s Question:

Hello, I’m 17 years old and was recently pulled over by a police officer. I did not have my drivers license on me and I received a ticket and had to pay a fee. There was a note on the ticket citation that say it was a written warning. How can it be a written warning if I have to pay a fine? Will my insurance go up because of this? If so, is there anything I can do to lower the auto insurance in Lincoln, NE?

Alfred

Lincoln, NE

It is my understanding that if you pay the fine then you are admitting your guilt to this citation. You can admit guilt and pay the fine, but will not have to pay more for your car insurance. If this is your first ticket since it is considered a ‘minor offense and most insurance carriers do not charge for it. In addition, it may be that all you have to do is present your drivers license and avoid having to pay a fine. It is likely that it was just a written warning in which case the same would apply. If you do not wish to do this, then you may consider some other options. You may also choose to fight this ticket in court and if you are successful than the offense will not show up on your driving record and you will not have to pay a higher auto insurance rate. You can also choose to finish a driver improvement class. You can get an auto insurance quote and check how this violation may affect your auto insurance rates.

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