Keep Your Car Insurance Rates Lower After a Speeding Ticket

Speeding tickets can cause headaches. You will have to pay a ticket and attend a hearing. Your car insurance rate could also rise. Your risk level is what car insurers use to calculate your rate. The behavior of reckless drivers is associated with higher speeds, which means you pose a greater risk to your insurer.

Most car insurance companies will not increase your premium if this is your first ticket.

Your car insurance premium could increase if you have been involved in an accident or received speeding tickets within the past 1-3 years.

If you feel that you were unfairly given a ticket (e.g. you weren’t speeding), don’t pay the ticket. Instead, plead your case to the court. If you win your case points won’t be added to your driving record. Your car insurance premium won’t increase.

To remove points from your driving record, you can attend a driver improvement class in certain states if you received the ticket fairly (i.e. you were speeding). You will usually have to pay a fee for online or classroom training in many states. The training program will notify your state’s Department of Motor Vehicles (DMV) if you have successfully completed the course. You should check with your DMV after 2 months to verify that the points have been removed. Your DMV should have proof that you completed your training. The speeding ticket will remain on your record, however your auto insurance premium won’t be increased.

To find out if a driver improvement program will erase points from your driving record, you will need to visit the DMV website in your state.

You can lower your auto insurance rates by other methods if you are unable to get your points removed through a driver improvement program. You can find the lowest rates by shopping around and reducing your risk profile (e.g. improving your credit score, security devices for your vehicle, or parking your car in a garage). Your rate may be reduced if your premium is paid every six months, or annually.

Moving forward, it is important to maintain a clean driving record and to drive within the posted speed limits in order to lower your car insurance rates.

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