Tips to Lessen the Impact of a Ticket on Your Insurance
Amco Auto Insurance Company is one of the fastest growing insurance companies in the US. The experts at Amco want to offer you, the consumer, some guidance in keeping your insurance rates down. After all, insurance is both essential and a bit complicated. Let’s make it simpler.
When shopping for car insurance, be sure to check each company’s policies on “ticket forgiveness”. Some companies will overlook a first offense. Others will not take into account nonmoving violations, like no seatbelt. Others will not increase your premiums if a speeding ticket is for speeding less than a fixed amount over the limit. Yet there are companies out there who will take into consideration all tickets and they will impact what you pay.
In many states you can take a driver’s education course in order to avoid getting demerit points following getting a ticket. Usually doing these courses will also prevent you from dealing with an increase in insurance premiums. They are very inexpensive, starting at about $15, take just a few hours to complete and can save you an impressive amount of money for the next three years – the amount of time it often takes for the ticket to stop affecting your premiums. An added bonus is that, surprisingly, such courses will teach you a thing or two that you don’t know about driving and traffic laws. If it’s been a while since you took your written driver’s test, there are things you’ve either forgotten or that have changed. Driver’s education courses are often eye-openers that can help to improve your driving skills.
In some states a deferral of your ticket is a possibility. The deferral will last for a certain period of time, will still involve a fee and usually a condition like not receiving any more tickets within a certain time frame. If you complete get the deferral it will keep the ticket off your record and keep it from affecting your insurance rates. But if you don’t meet the condition, both old and new tickets will appear on your record and insurance.
Contesting a Ticket
If you know you’ve been wrongly ticketed, you can always contest the ticket in court. If you win, the ticket will not be on your driving record and you will have saved yourself some premium hikes. Just be prepared, contesting a ticket tends to usually cost as much or more than just paying the ticket. But if you know that this is the ticket that will make a big difference on your insurance, contesting it may be the route for you. Do your research when it comes to contesting. Some states have numerous inexpensive lawyers who specialize in contesting traffic tickets and they may be the best route to getting rid of that ticket. However, in areas where lawyers are more expensive or you want to represent yourself, study up. There is lots of advice available on the internet, in books, and in ebooks for anyone wanting to save him or herself from a traffic ticket.
One word of caution, make sure to not forget about your traffic ticket. However you decide to deal with it, do so within the prescribed time or you may lose the opportunity to keep it off your record and it will most certainly cost you even more money than necessary.
With or without a ticket on your record, by simply inputting your zip code on our home page to begin, you’re on your way to finding out how Amco Auto Insurance Company can provide you with the most appropriate Auto Insurance policy for your individual needs.
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October 1, 2012October 1, 2012 0 Comments