There are a couple things to think about here. First, your parent's insurance won't be affected until the next renewal. That's usually when your insurance company will pull your Motor Vehicle Report (MVR) which will show your ticket. Second, your parents can drop you from the policy if they're the named insured (i.e., the people who created the policy). It's important this doesn't happen because at this point, you would be uninsured and have a lapse in your coverage which not only prohibits you from legally driving, but hurts your chances of finding affordable insurance in the future. Insurance companies see speeding tickets and lapses of insurance as red flags and will charge accordingly for them. Your best bet is to assure your parents you will have the ticket dismissed prior to the next renewal. If they still insist on dropping coverage, you will need to find additional insurance. You can shop different companies here
- even with a speeding ticket, you should be able to find affordable insurance.