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Hawaii Traffic School

Posted on: April 30th, 2012 by Traffic School

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Although no one ever wakes up in the morning and sets out to get a ticket, it happens to people everyday and happens to most of us at one time or another. Many people think that their only option is to pay the ticket and move on, but there are actually other options out there that can save you money on your ticket. In fact, the cost of just one ticket can end up being over $1000 for many people when you factor in all the costs that come with a ticket. To better illustrate the effects that one ticket can have, let’s use an example. Meet Paul. Paul just got a speeding ticket for $200 and his monthly insurance costs are $200 monthly.

Paul Can Just Pay the Ticket: $2700

Paul’s first option is to do what 90% of other people do and just pay the ticket. What many people don’t understand when they decide to just pay their ticket, is that the costs go far beyond what is written on the ticket itself. First of all, in addition to the fine on the ticket, there will be an average of $100 added to the ticket for court fees. This makes the ticket cost $300. In addition, even though there isn’t a points system in Hawaii, the ticket will be reported to your insurance company. As a result they will increase your insurance rates. The average increase is 20%. In this case, a 20% increase would raise insurance rates by $40 monthly. The ticket will stay on your record for five years, which means an extra $40 every month for 60 months, or $2400 extra in insurance costs. That means that just one speeding ticket actually will cost $2700.

Paul Can Take Hawaii Traffic School: $335 or less

Paul’s second option is to get permission to take online Hawaii traffic school. Many courts will allow you to take traffic school online so that the ticket is dismissed and not reported to your insurance company. This will save Paul $2400 in insurance costs. He may still have to pay the full fine of the ticket and court fees, $300, but in many cases the fines are reduced if someone takes traffic school. The average cost of traffic school in Hawaii is $35, so the most Paul will pay is $335 for the ticket fine and traffic school online.

Paul Can Fight the Ticket in Court: $0 or $2700

Finally, Paul can choose to fight the ticket in court and take his chances winning his case. If he wins Paul will not have to pay anything for the ticket and it will be completely removed from his record. If Paul loses however, he will lose the option to take traffic school and will end up spending $2700 on the ticket, court costs, and insurance rate increases.

Georgia Traffic School

Posted on: April 25th, 2012 by Traffic School

Given how much all of us drive it isn’t a surprise that most people get a traffic ticket or speeding ticket at some point or another. It could be for any number of things, but either way it leaves us with an expensive ticket and decision about how to move forward. Although over 90% of people just pay their ticket and don’t look back, there are actually better options for you in most cases that will save you lots of money in the long run. To better understand the options, let’s use an example. For our example we will assume that our driver has just gotten their first speeding ticket with a fine of $250 and pays $120 monthly for their car insurance.

First Option: Just Pay the Speeding Ticket, $1765

The option may people take when they get a speeding ticket in Georgia, especially if it is there first one, is to just pay the ticket. However, what many people don’t realize is that they will face far more expensive consequences than just the ticket itself. First of all, most county courts add processing fees to the ticket that add about $75 to the total cost. Furthermore, car insurance rates increase when points are added to your driving record. In this case since it is the first ticket, her car insurance rates will go up by about 20%. That increased rate will be in effect for five years, which is how long the ticket stays on her record. That means an extra $1440 in insurance costs plus the $250 ticket and $75 in court fees, making a grand total of $1765 for just one speeding ticket.

Second Option: Take Georgia Online Traffic School, $360

The second option that should be considered is taking Georgia traffic school online. Taking a traffic school course online makes sure that points are not added to your driving record. This means that car insurance rates do not get more expensive. Depending on your ticket, taking traffic school may also lessen the fine or eliminate the court processing fees.

Third Option: Fight Your Ticket in Court, $0 or $1765

The last option when dealing with a Georgia ticket is to fight the ticket in court. The benefits are high if you win since you will not have to pay the fine or any insurance rate hikes. However, in most situations if you do not win, you lose the chance to take traffic school and will have to pay higher insurance rates. It is a risk that some people are willing to take, but many choose traffic school since it is a safer bet.

Florida Traffic School Online

Posted on: April 23rd, 2012 by Traffic School

No one wants to get a ticket and have to pay the large fines or consider taking Floria traffic school. However it happens to many of us at one time or another. We may be pulled over for speeding, making an illegal u-turn, not signalling, failure to yield, or a myriad of other reasons but no matter the reason we are facing a decision of what to do about our ticket. Most people, over 90%, just pay the ticket and face the consequences of their increased insurance rates for years to come. However, there are other options out there that can save you lots of money – online traffic school and fighting your FL ticket. Let’s explore the option and their cost to get a better idea of how much just one ticket can cost. Let’s assume that you have a $100 monthly insurance policy, and your ticket with court fees is $300.

Option 1: Florida Traffic School Online: $308.95

When you get a Florida ticket, many times you have the option to take traffic school online to avoid getting points on your driving record. When you choose this option, many times you still have to pay the full speeding ticket fine and the cost of traffic school, which is $8.95 with our recommended program. The main advantage of taking traffic school is that you avoid getting points on your driving record which ensures your insurance costs don’t increase. This can save you a substantial amount of money in the long run, as you will soon see.

Option 2: Just Pay the Ticket: $1500

Your second option is just to pay the speeding ticket. Most people assume that this is a one time payment of $300. However it is actually much more expensive. On average, car insurance rates increase by 20% for just one ticket on a driving record. With a $100 monthly policy, that means your rates will increase by $20 a month. Twenty bucks may not seem like a lot, but it will be more expensive for the next five years while that ticket is on your driving record. That means an additional $1200 in car insurance bills! And that’s just for one ticket, imagine if you get another in that five year period.

Option 3: Fight a Florida Traffic Ticket: $0 or $1500

Your last option is to fight the ticket in court. If you win then you will not have to pay anything. However, it is a risk and if you lose than you will have to pay the ticket, $300, plus the additional insurance costs.

Washington DC Traffic School

Posted on: April 2nd, 2012 by Traffic School

Washington DC Traffic School

For most people, at one time of another in their lives they end up getting a speeding ticket or traffic ticket in Washington DC. Most people, in fact over 75%, just pay the ticket without thinking through other alternatives that could save them money in the long run. Few people really realize how much a ticket actually costs when you take into account the car insurance impact and impact on your driving record. To make this more clear, let’s use an example. Let’s imagine that I live in Washington DC and just received my first traffic ticket for speeding. The ticket I was given costs $250. My monthly insurance rate is $150 and until this ticket I had a clean driving record. After getting the ticket, I have three options for taking care of it – I can just pay it; I can take Washington DC traffic school; or I can fight it in court.

Option 1: Just Pay the Ticket, Total Cost: $2200

If I decided to just pay the ticket, the total cost of the ticket would actually end up being $2200! How? Well the ticket itself was for $250, but when I went to pay it there was an additional $150 in court fees and administration fees bringing the total ticket price to $400. Additionally, when the car insurance company finds out I received a ticket, my premiums will increase by 20% (national average). So my monthly payment will go from $150 to $180, or $30 extra every month. The ticket will be on my record for 5 years, so that means an additional $1800 in car insurance costs. Together with the ticket, that is a extra $2200 for just one ticket!

Option 2: Take Washington DC Traffic School, Total Cost: $435 or less

The second option I have is to take Washington DC traffic school to dismiss my ticket. In many cases I will still have to pay the ticket itself, which is $400, but sometimes that fine is reduced for taking traffic school. You just need to check with the court. The traffic school course costs $35 but once I complete it successfully the ticket isn’t added to my driving record. This means my insurance costs won’t increase and I will save $1800 from taking the traffic school course.

Option 3: Fight the Ticket in Court, Total Cost: $2200 or $0

The last option I have is to fight the ticket in court and see if I can have it completely dismissed. If I win, I will not have any fines or fees to pay. However, if I lose then I will have to pay for the ticket, the insurance increases, and any additional fees. I will also have to spend time preparing for court to make sure I am ready.

In the end, I decided to take Washington DC traffic school. I was able to get my fine reduced to $75 and finished the online course quickly and easily. My car insurance rates never increased and I was able to maintain my safe driver status which actually got me deeper insurance discounts in the years to come.