Moving Violations And License Points Causing Insurance Costs To Spike? What To Do

19 March 2018
 Categories: , Blog


You may already know you need to change some of your driving habits, but when you start accumulating speeding tickets or points applied to your license, insurance costs can spike. That's when you might full realize how serious the situation is. To bring down those costs and start driving better, work on these insurance and vehicle-driving pointers.

Use a Telematics Device

A simple method for possibly reducing insurance is to begin the use of an installed telematics device. Easily put into a port that already exists in your vehicle for diagnostic machines, any insurance telematics device will regularly monitor movements and deliver details to your insurance carrier. As insurance company staff look at the reports, they can more accurately determine whether your driving necessitates higher coverage and higher costs.

Such devices can monitor: 

  • Braking speeds
  • Overall road speed
  • Slamming on brakes
  • Daily mileage 

Your insurance carrier will receive all this data wirelessly. After an assessment, your premiums could ultimately come down. In addition, you may be better protected against claims of speeding or other problems; you can use the telematics information to defend yourself if necessary.

Take Driving Classes

Perhaps the reason that you've gotten so many points and driving violations is that you never received the right training behind the wheel. It may be time to admit that driving classes will help you. Whether you take a night driving course or learn defensive driving techniques, being in class and learning the proper ways to handle road issues can make you a safer, better driver. 

In addition to improving vehicle operating skills, sometimes driving classes will erase license points; as a result, insurance costs could be lowered. Discuss this possibility with your local traffic court or state DMV.

Start Carpooling

Traditional methods of lowering insurance rates on your vehicle can also reduce the burden caused by too many tickets or points. One particularly effective way for you could be to take a break from driving whenever possible. Carpooling can give you a chance to avoid any further risk of ticketing by allowing you to be a passenger sometimes. When you notify the insurance company that you're not driving as much and the car is not on the streets much, your costs can slide downwards.

Your insurance won't be too high when you're able to modify your behavior as detailed above. Keep talking with your insurer and keep working on improving your driving; it will soon pay off