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Idaho Point Reduction

Posted on: May 23rd, 2012 by Traffic School

Getting a traffic or speeding ticket in Idaho can ruin anyone’s day and also have a huge impact on the price you pay for car insurance. Although you can’t dismiss a ticket in Idaho by taking traffic school, you can take an Idaho Point Reduction Course and remove three points from your driving record. This may not seem like a lot at first but it can have a substantial impact on your car insurance costs whether you have a ticket or not. Idaho Point Reduction classes can, and should, be taken every 36 months.

Benefits and Cost Savings by Taking Idaho Point Reduction

Many people automatically think that it isn’t worth their time to take an online points reduction course, but what they might not realize is how much it can actually save them. Let’s take a look at an example to better understand the savings involved. Meet Julie. Julie lives in Idaho is just got a speeding ticket that added 3 points to her driving record. As a result, Julie’s car insurance policy increased from $100 monthly to $125 monthly, or a 25% increase. The points will stay on Julie’s record for 5 years so that means because of just one ticket Julie will spend an extra $1500 on car insurance. However if Julie takes the point reduction course, which only costs $32, she can remove those 3 points and get her insurance rate back down to $100 monthly.

But I don’t have a ticket, can Idaho points reduction still save me money? Definitely. Meet Sam. Sam pays $100 monthly for his car insurance premiums. He has a clean driving record but wants to save money on his insurance costs. Sam called his insurance company and found out they offer a 15% discount to anyone who takes the course since it will make them a better driver. That means that Sam’s rates will drop down to $85 monthly, saving him $180 annually. Over 5 years that equals a savings of $900. And the course only cost him $32 and could be taken from the comfort of his own home.

Washington DC Traffic School

Posted on: April 2nd, 2012 by 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.

Delaware Defensive Driving

Posted on: March 28th, 2012 by Traffic School

No one wants to get a speeding ticket or traffic ticket and have to deal with expensive fines and points on their Delaware driving record. Unfortunately, it happens to most of us at one time or another and many of us mistakenly think that paying the ticket and accepting the increases to our insurance premiums is the only option. Luckily there is another option out there that can save you time and money – Delaware Defensive Driving courses online.

To better understand the benefits of taking a Delaware Defensive Driving course, let’s look at an example for a typical Delaware driver who just got his first ticket. Let’s call him Dan. Dan also has a car insurance policy in Delaware that costs him $100/monthly. Dan’s ticket was for $250 and he found out when went to pay it online that there was an additional $50 in court fees for the ticket bringing the total to $300. Now let’s look at each of Dan’s option for taking care of the ticket and how much it will cost him in the long run.

Option 1: Take a Delaware Defensive Driving Course Online, Total Cost: $400

The first option people should consider is taking a Delaware Defensive Driving course online to avoid having points added to your driving record. In most cases you will still have to pay the cost of the ticket and court fees, in this case $300, plus another $100 for the Delaware Defensive Driving course. The course can be taken 100% online and you can take it from the comfort of your own home at your own time. In some cases the court will reduce or eliminate the fine if you tell them you will be taking defensive driving in Delaware.Sign up for Delaware defensive driving.

Option 2: Just Pay the Ticket, Total Cost: $1500

Your second option is just to pay the speeding ticket and not take Delaware Defensive Driving. If Dan decides to do that he will need to pay the $300 for the speeding ticket and he will also have points added to his Delaware driving record. Those points will cause his insurance premiums to go up. On average your first ticket increases your insurance premiums by 20%, meaning Dan’s monthly payment will go from $100 to $120. He will have to pay the more expensive premium for 5 years until the ticket is removed from his record. Paying $20 a month extra for the next five years will cost Dan an extra $1200 for getting just one speeding ticket. That combined with the ticket costs, is a total cost of $1500.

Option 3: Fight the Ticket in Court, Total Cost: $0 If He wins, $1500 If He Loses

Dan’s final option is to fight the speeding ticket in court. If he goes to court and wins, it will cost Dan nothing for his speeding ticket. However if he loses he will have to pay the ticket and the insurance rate increases.

As a fairly practical person, Dan decided in the end to take Delaware defensive driving and avoid the points on his driving record and very expensive insurance rate increases.

Find the Lowest Price Traffic School

Posted on: September 28th, 2011 by Traffic School

Taking a traffic school or defensive driving course is a great way to dismiss a ticket, lower insurance costs, and learn new driving skills, but for many it can be difficult to find the lowest priced traffic school. And likely since you are already trying to save money by taking the traffic school course in the first place, you are probably looking to find the lowest priced traffic school out there. Here are some tips to help you find the lowest priced traffic school out there:

1. Shop Around: Like with anything else, it is always a good idea to shop around to find the lowest price traffic school option in your area. Look for all of the DMV approved traffic schools in your area and available online and compare costs.
2. Factor in Additional Costs: There are two key factors you should factor into the cost of traffic school to make sure it is actually the lowest priced traffic school. First, if you are attending an in person traffic school, factor in the cost of traveling back and forth to the course. Secondly, since some courses have an additional charge for processing and mailing in your certificate of completion, make sure to find out how much that will cost and add that to the price. Try to find a course that will do this for free.
3. Consider Online Options: In many cases since gas is so expensive, the cheapest options are going to be online. Look for an online school that offers free certificate delivery and that you can sign into as many times as you like. Online options also allow you to complete the course on your own schedule meaning you won’t lose time or money from having to miss work or other important commitments.