The good news is that California auto insurance companies cannot raise
your rate based on a poor credit score. But most insured motorists know
that this regulation does not necessarily translate to a low premium.
Insurance companies often argue that people with money problems are more
likely to file fraudulent claims, so they are a greater risk. In The Golden
State, however, a driver's rates can only go up, or down, based on
the person's driving record. So, a routine speeding ticket or any
other moving violation that may cause little or no premium change outside
California will most likely
cause your rate to skyrocket.
Super speeding and reckless driving typically trigger the largest increases.
A traffic ticket's monetary costs are only the beginning. In addition
to high hidden costs and insurance rate hikes, drivers in Kern County face
license suspension if they accumulate four points in 12 months, six points in 24 months or
eight points over 36 months. Each point remains on your record for at
least three years; more serious violations, like a reckless driving or
super speeder, may stay on your record for up to five or even 10 years.
For commercial drivers, points add up even more quickly because the state
uses a 50 percent add-on: a two-point violation becomes a three-point
An attorney regularly practicing in Bakersfield can help, especially with
super speeder and reckless driving tickets, by convincing the prosecutor
to reduce the charges or otherwise getting the points lowered.