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Different companies have different practices
when it comes to raising premiums. Some companies will consider the severity of
your violation and raise your rates accordingly; others will raise rates a specific
amount per violation. Generally speaking, however, all
most all insurance companies allow for a defensive driving course to be taken in order to save you from
rising premiums. Some states do not allow an insurance
carrier to raise premiums for moving violation, but instead, the company takes away
any discounts afforded the policy holder, which in affect, does raise your rate.
Generally, if you receive a moving violation,
and don't take the option, or do not have the option to take a defensive driving
course like Fast and Stress Free Traffic School's defensive
driving online course, there may be some type of consequences by your insurance
carrier. If it was your first ticket, you might not see any change
in your rates, but your first ticket can affect your rates more than subsequent
tickets. Generally speaking, in most states, the courts will
allow you to take a defensive driving course for your first ticket.
But, once you take a defensive driving course you must wait an allotted time period
of that state in order to have the priviage to take another
defensive driving course. Any tickets received
within that time period will most assuredly increase your insurance premium.
It's hard to say across the board that your insurance will go up X
amount per year if you have a ticket.
Should you Take A Defensive Driving Course Even if You did NOT Receive a Ticket?
Defensive
driving courses are not typically
designed to help with insurance costs, a defensive driving course is actually designed
as a substitute for punishment by the court system, but they are sometimes an
added benefit. Here are the benefits of taking a defensive
driving course:
- No
points will be assessed against your driver's license.
- Attending
a defensive
driving course to satisfy
the violation can be entered on your driver history
record as an "adjudication withheld."
- The
civil penalty you must pay may be reduced in some cases.
Some insurance companies offer an additional
discount for persons taking a Defensive
Driving Course even if they
did not get a ticket. You can check with your insurance carrier
and Fast and Stress Free Traffic School's Traffic
Safety Course in fact does comply with those state regulations as
well.
The average Texas auto insurance policy
costs $932 a year.
If you have a clean driving record most Texas companies offer a discount.
That discount is typically a 25% savings ($233). So, using these averages a driver
with a clean driving record is paying $699 a year for car insurance.
One speeding ticket would remove that discount
and typically increase the base rate by 2%. That is a $251 increase per year, or
$753 increase over 3 years (companies usually surcharge for 3 years) without taking
a defensive driving course online.
Because of so many factors, it is easier
to simply take a Defensive Driving Class online and then change your violation
information to see the difference in premiums. In most states,
by taking a defensive driving course (and we recommend taking the
defensive driving course online in order to complete
the course on your own schedule), it drops your points at the
DMV level and those points are never reported to your insurance carrier.
If the points are not cleared at the DMV level via a defensive driving course
taken, then your insurance carrier with run a report on you and see that you have
moving violation point(s) resulting in some type of increase.
Should you Take A Defensive Driving Course Even
if You did NOT Receive a Ticket?
Defensive driving courses are not typically
designed to help with insurance costs, a defensive driving course is actually designed
as a substitute for punishment by the court system, but they are sometimes an
added
benefit.
Here are the benefits of taking a defensive driving course:
- No
points will be assessed against your driver's license.
- Attending
a defensive driving course to satisfy the violation can be entered on your driver history record as an "adjudication withheld."
- The
civil penalty you must pay may be reduced in some cases.
Some insurance companies offer an additional
discount for persons taking a Defensive Driving Course
even if they did not get a ticket. You can check with your insurance
carrier and Fast and Stress Free Traffic School's Traffic Safety
Course in fact does comply with those state regulations as well.
Here's Your Answer
The state of Texas mandates that all defensive driving courses are a timed
6 hour course. Fast and Stress Free Traffic School is unlike
any other online defensive driving course providers in that we offer videos and
interviews with police officers, EMTs and others, throughout the course making it
entertaining as well as informative. All online courses have to cover the same information
in the same amount of time - so why not be entertained while you learn?
Fast and Stress Free Traffic School also
is proud to say we offer the lowest price allowed by law in the State of Texas for
our defensive driving course at only $25.00.
We encourage you to sign up today by going to
www.fastandstressfreetrafficschool.com and click on the register button. As a side note - once you register,
you can go in and out of the course as often as you like. When you wish to
return to the course, simply go to
www.fastandstressfreetrafficschool.com and put your email address and driver's license information you registered
with in the "Re-enter Course" section and you'll be taken right back
to where you last left off.
This course is fun, inexpensive, and convenient and Texas court approved.
We look forward to having the opportunity to serve you.
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