How Points, Tickets and Traffic School Affects Your Auto Policy

So the police pulled you over and you got a speeding ticket? Don't despair. Along with the chunk of change you're required to send the state or city, you might be eligible to take a traffic class that will keep the points off your record -- and your Auto premiums from rising.

In 41 states, the DMV transfers these points to your driving record. Insurance companies generally check this record when you take out or renew an Auto policy, change coverage, or drop or add cars and/or drivers.

Garner a few points and your premium will increase at renewal, especially if you have more than one violation in three years. For instance, according to Insurance.com, a speeding ticket will raise your premium by 11% to13%.

To keep your record clean and avoid a surcharge if you're cited for a minor violation, you might be able to complete an in-person or online traffic course. Laws, deadlines, and limitations vary by state. Most states also allow drivers who have accumulated points to have them removed by taking a safe driving class.

If you have a clean driving record and go to traffic school, most insurance companies will offer a 5% to 15% discount on Liability and Collision coverage when you renew your policy.

As a rule, taking a driver safety class will either remove points from your record for minor violations or give you a discount, but not both. There might be some variations, depending on state laws and insurance company. For example, only drivers over age 25 might be eligible for the discount, or all drivers of the insured vehicle must take the course to qualify.

For more information, just give us a call.
Need insurance for You, Your Family or Your Business?
We can match you to a qualified, local insurance expert!
Further Reading
So the police pulled you over and you got a speeding ticket? Don't despair. Along with the chunk of change you're required to send the state or city, you might be eligible to take a traffic class that will keep the points off your record -- and you...
Imagine that you ignored or forgot to pay a few minor traffic tickets – and that the police arrested you as a scofflaw. It can happen. For the past seven years, the "Great Texas Warrant Roundup" has mailed thousands of notices a year giving citizens...
Every week I read Time, Business Week, and The Economist, together with about a dozen other periodicals. I'd like to share a number of the main themes “going on out there” and how they might apply to running your business. Remember, what's going on...
Some form of shift work, whether it be during the day or night, is performed by about 20% of the American workforce. Most sleep experts have concluded that working at night isn’t biologically natural for the human body. The human body has evolved to...
Does your house have a mold problem? Mold can affect your health, and it affects your home insurance policy and rates, too. Learn more as you maintain your home insurance coverage at an affordable price. Which Molds are Bad? On any give...