A speeding ticket won’t land you in jail, but it can break the bank in more ways than you think. Your auto insurance premiums will increase, you’ll face fines, and you may require some legal services or enroll in a defensive driving course. In states that use the license point system for driver records, a speeding ticket can result in a mark-up on a driver’s history. The good news is that speeding is a totally avoidable traffic violation. However, if you are a lead-footed driver, there are ways that you can get speeding tickets off your driving record.
How Does a Speeding Ticket Affect Your Driving Record?
Every state except Hawaii, Kansas, Louisiana, Minnesota, Mississippi, Oregon, Rhode Island, Washington, and Wyoming uses a point system to keep track of driver records. Points are assigned to a driver with a violation. How much exactly depends on the severity of the offense and state, as they all have their own ways of adding points. It works like golf; you want fewer points because more suggests that you are a high-risk driver with several traffic violations. A ticket for speeding can result in points being added to your driver’s license and record. This will be noticed by your auto insurance provider, and you may see an increase in your premiums. Too many points on your driving record can result in a license suspension.
How Long do Tickets For Speeding Stay on Your Record?
Depending on the severity, a violation or ticket can stay on your driving record for anywhere between three to ten years. Minor ones, such as running a stop sign at a barren intersection, can remain on for less. A factor that is often used in a speeding ticket how fast you were going at the time of the violation.
How do Tickets Affect Your Car Insurance Rates?
A speeding ticket is known to increase the average auto insurance rate by 22% to 30%, which calculates to approximately $290. Some states are even known to increase it by up to 50%. The exact amount varies based on the insurer and the severity of the ticket. You can expect this premium increase to last at least three years. This is because your insurance provider tends to check your driving record every three years.
What if You Get an Additional Ticket For Speeding?
A second speeding ticket within a couple of days or even weeks of your first one can increase your insurance premium further. The average reported is a 43% increase. With speeding tickets in succession of each other on your driving record, your insurance company will have no choice but to assume that more will occur.
How do You Get The Ticket Off Your Record?
To answer the main question of this post directly -yes, there are a couple of ways you can remove a speeding ticket from your record in order to avoid the increase in insurance rates. What you can do is outlined below.
Don’t Pay The Ticket Just Yet
Paying your ticket is admitting guilt which will be reflected on your record. The good news is that you have about a month to pay for your ticket, so you have some time to weigh your options. Before deciding, see if you are able to contest it in traffic court for a plea bargain. There’s no penalty for losing a traffic trial except the additional legal fees you’ll have to pay. But if successful, think about the premiums you will save.
Go For a Legal Deferral
A deferral period is when you are found guilty in court, but the findings are deferred for about a year. During this time, you can have your ticket dismissed altogether if you avoid other violations. You may have to pay anywhere from $100 to $150 in order to be granted a deferral. This is usually the best method for drivers that were ticketed for the first time.
Enroll in a Traffic Course
A common remedy for all traffic offenders is enrolling in a defensive driving course. It can be used to reduce the penalties of a traffic violation or even dismiss a ticket. Taking a class shows you are working to become a better driver which your insurance company will thank you for. Some fees accompany the classes, and there may be limits to how much you can take, depending on your state.
Try to Plea Bargain
You may be able to ask for leniency from the court clerk, like having the ticket offense downgraded to a moving violation which insurance companies don’t punish as much. Mitigation, where you admit guilt for a lower fine or penalty, can also be an option. The decision is up to the judge, and you may have to pay additional legal fees.
Contest Your Ticket
You can go to court and contest the ticket by pleading not guilty. This may be best done with the help of a lawyer, but it is not required. Traffic experts say that since a speeding ticket isn’t as severe as a DUI, you may stand a chance in court, but it still isn’t easy on your own.
What Are Ways to Save on Premiums With a Speeding Violation?
At this point, if you have a speeding ticket on your driving record, your insurance company will increase your premiums. You’ll be able to pay the fine or do community service to resolve the ticket. This can help keep your premiums from increasing further.
Another thing you can do, depending on the state you live in, is ask for the removal of the driver’s license points. This can typically be done after completing a traffic course. You may even qualify for a discount.
You can also increase your deductible since it is directly inverse to the premium you pay—the higher your deductible, the lower your rates.
Another way to save on car insurance after a speeding violation is to drive less in order to reduce your miles. Your insurance provider may offer a discount for this.
Installing additional security features to your car will also help lower your premiums. These discounts can run anywhere from 5% to 30%.
Regardless of your driving history, Insurance Navy is here to help. We provide drivers with coverage no matter what level of risk they have. Get a free SR-22 quote with us today. Quotes are available online via our website and mobile app. You can also give us a call at 888-949-6289.