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Getting a traffic ticket violation is never fun! Once you get a citation, you face court fines and an increase in your car insurance. Since a speeding ticket most always affects your auto insurance, we have a lot of students at cheap and speedy traffic school wondering…. How do I lower my car insurance now?!
On the bright side, time is your friend if you avoid receiving additional tickets. Over time your "risk" factor will go down in the eyes of your insurance company. That is not an automatic fix to a lower car insurance rate, but with some patience and diligent driving skills you can get back to a lower insurance rate! Usually, most speeding tickets will stay on your record for three to five years.
Here are some tips to see if you have some options to lower your auto insurance rates without waiting for that speeding ticket to drop off your record:
Check with your auto insurance provider and see if you are eligible for any additional discounts. If you are normally a good driver, you can check on driving behavior programs offered. Some options include "telematic programs" and "pay-per-mile" options. These programs use tracking devices or apps to monitor your driving behavior such as: (How many miles you drive; The time of day you’re driving; Hard braking; Speeding and accelerating; and Cell phone use.) These can be beneficial programs IF you are a safe driver or working from home and on the road less often. (Source:NerdWallet)
Compare a couple of discount auto insurance programs here!
Check with your court regarding your traffic citation and ask if traffic school is an approved option. If you take traffic school, it will usually lower your auto insurance premium. Register today at Cheap and Speedy Traffic School if that is an option for you!
Take the time to shop around for multiple insurance rates and help kickstart your savings instantly. You might be surprised at comparing quotes and what your savings could be.
Click here for some options on cheap car insurance!
Another option is to increase your deductible. This can lower your premium on top of researching the options we discussed earlier.
The bottom line is you want to maintain a clean driving record and make every attempt to get discounts from your auto insurer for practicing safe driving habits and avoiding any additional traffic violations.
Explore payment options as well. This might allow you some flexibility if your auto insurance provider increases your premium.
One last thing, investigate bundling your policies! Insurance providers want your business and there maybe some incentive to lowering your premium with your auto insurance if you can bundle other policies such as renters’ insurance, Home insurance, etc.
Not sure if our school is right for you? Try us out for free with our start now pay later option. If you don't like it, you don't have to buy the course!
