Through the Internet and through classrooms across the United States, drivers are enrolled in traffic school, also known as defensive driving. Though this is a course that does focus on the vehicle operation safety, it is not the same as a driver’ education. Driver’s education, or driver’s ed, is a course required of new drivers in order to issue them a license to operate a motor vehicle for the first time. Over the course of a lifetime, an individual might enroll in several traffic school courses, which will remind them of safety measures and traffic laws as well as provide them with current information about new laws or regulations. Many courts offer relief from a fine or other traffic violation penalty through the enrollment and passing of a traffic school course.Privately owned and operated traffic schools are most common in jurisdictions within the United States. These traffic schools must have approval from their state in order to eliminate citations for vehicle moving violations. This is the number one reason for attendance in traffic schools. For most non-alcoholic violations, the court will allow a defendant to take a traffic safety course and expel the citation from their record completely. Of course, the specifications and protocol for removing a citation from an individual’s record may vary depending on the location of the violation or even the residence of the violator.There are a number of advantages to traffic school courses versus paying off the fine. The biggest reason for many enrollees is to save money on the fine. Many courts will reduce the fine or only require court costs on a moving violation if the individual passes a traffic school course. However, this is not the only reason to consider. Keeping traffic violations off of one’s traffic record will impact insurance rates. The more citations an individual receives, the higher their insurance premium will be. In the long run, the cost of a traffic school course and court costs will be well worth the change in an insurance premium. Having a clean driving record is also beneficial for getting a job that requires the driving of company cars or transportation of goods.Today, taking a traffic school course is extremely easy, with the help of the Internet. Online traffic schools have exploded in popularity, giving people the freedom to take a course at their own pace, at their one convenience, and in the comfort of their own home. Now there is almost no excuse not to take a traffic course instead of keeping a citation on your record. It is easy, convenient, and can even be a fun, and there is never any harm in learning how to be safer while operating an automobile.
If you are a motorist in today’s economy, then you are probably trying to find ways to keep the cost of owning a vehicle down. Gas prices have been on the rise for years with no sign of slowing down, and insurance is already costly enough. If you have been caught and ticketed with a traffic violation, then one of the first things you will wonder is how it affects your current insurance plan. Do they raise prices with traffic violations or do they give you the benefit of the doubt? Although it differs from state to state, here is a quick guide on how traffic violations affect your insurance.How Does a Traffic Violation Affect Insurance Rates?Each insurance company uses a different policy when it comes to traffic violations and the effect they will have on your insurance, although there seems to be three different ways they go about it. The first way they may deal with it would be to raise your rates for the first three years. The second way is to apply a decent surcharge for one year and then remove it if there have been no further traffic violations within that time period. Some lucky drivers get the third option, where the insurance company looks at a clean driving record and does nothing as long as there are no further violations.Traffic Violations in Different StatesSome people are under the impression that traffic violations in other states will not follow them back home, and that they will rest in the state that the violation took place in. Although this may be a way to avoid paying a fine, it will still affect your insurance as all the states are now linked via a central database. Your insurance company will be aware of any violation that happens out of state and will decide how to deal with it based on your driving history.Should You Admit Guilt When Receiving a Ticket?After violating a traffic law and receiving a ticket you will have to decide what to do about it. You can try and contest the ticket, or you can immediately pay the fine and admit guilt. Another thing to keep in mind is whether you admit guilt when you receive a ticket. The DMV advises people not to admit guilt because they will not have an opportunity to contest the ticket later on. Additionally, their insurance will almost certainly be raised.When you are issued a ticket for a traffic violation, you should never contest it or pay the fine without first speaking with your insurance company. If you remain on good terms with them and it is a first offense, then there is a good chance that they will cut you some slack and not raise your insurance premiums. If you have been a multiple time violator and have a storied history with your insurance company, then there’s a really good chance they will raise your insurance without hesitation. The best way to avoid having your insurance raised is to be as safe as possible and not break the laws of the road. Sometimes the risk is just not worth the reward.