Money Matters: Cutting Costs WhenYou Get A Ticket

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October 17, 2012

Nobody likes getting a traffic ticket. About 10% of drivers are ticketed for a traffic violation; but some infractions hit insurance rates harder than others. A reckless driving charge can jack up your premium by 22% on average.

Kelli B. Grant of Market Watch says there are ways to cut traffic ticket costs.

Here are Kelli's suggestions:

1. Fight the ticket. If you plead guilty or just pay the ticket you miss out on the possibility of having your case dismissed or the points and fines reduced.

2. Weigh alternate pleas. Prosecutors and judges may offer a deal to avoid a full traffic trial. If you have a good driving record they may offer a plea deal with a reduced fine and fewer points.

3. Shop for a new policy. Traffic violations can trigger insurance surcharges for about 3 years. More serious charges could linger for five to seven years. While shopping ask for discounts for multiple cars or having home owners insurance.

4. Keep you nose clean. Some insurers have forgiveness policies that can limit or eliminate extra charges for a first accident or ticket.

5. Take a driving course. A defensive driving course can reduce the number of points on your license and, in turn, the surcharges your insurer might assess. The course could be as cheap as $25 but save you hundreds in the long run.

For a link to the entire article by Kelli B. Grant from Market Watch, click on the link below.

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