You were cruising along on your way home and not keeping a close enough eye on your speedometer. Unfortunately, your local police department had just initiated a campaign to slow people down. You were pulled over and the officer said that you were driving more than 20 miles over the speed limit. You respectfully admitted no guilt, but as he wrote the ticket, all you could think about was the drain on your finances your speeding tickets would cost. Does this scenario sound familiar? Speeding tickets can do some damage to your driving record, but there are ways to lessen the impact.
Know what is on your driving record. Previous tickets, and points, may or may not still be on your record, depending on where and when they were received. You can get information on your current record online by visiting your state’s motor vehicle department website. You can also receive a written copy of the information at your local department of motor vehicles.
Fix any errors– Now that you have a copy of your record, take the time to correct any mistakes that exist by requesting a review by your state’s DMV and following through with any necessary steps.
Go to court– If there is reason to contest your speeding tickets, always attend the court hearing and state your case. Cases can be dismissed, and fines can be reduced. Drivers who attend court often get better results and less points attached to their records.
Take a class– Many insurance companies will reduce added surcharges if you take a safe driving course, and the state will typically reduce the points on your license as well. These have a minimal cost and take only a few hours, so it is worth the effort.
Wait it out– Time helps your driving record, provided you take measures to keep it clean. Slow down, be careful and obey traffic laws.
Shop around– Each insurance company uses a different algorithm to figure premiums, so making some phone calls might unearth one that is committed to keeping auto insurance affordable even for those with a ticket or two.
Speeding tickets are not fun, but knowing what to do in the aftermath can reduce the damage and minimize the impact to your finances.