If you are concerned about auto insurance prices, you know that one of the things that can cause your insurance rates to rise it getting a ticket. Insurance companies take off points for tickets and accidents and if you score too low, you pay more for insurance. In Texas, there is a way that getting a ticket can actually help you to lower the price you pay for insurance by ten percent. Texas defensive driving courses can keep a ticket from going onto your driving record and reduce your insurance rates.|
If you receive a ticket in Texas, state law may allow you to prevent that ticket from becoming a part of your driving record. Only one ticket in any twelve month period can be dismissed using this option. To get the ticket dropped, you must complete a defensive driving course and send the ticket to the court. Then you can send another certificate provided by the driving school to your insurance company and qualify for a ten percent discount for the next thirty six months.
In order for the ticket to be dismissed, you must make a guilty or no contest plea. The plea can be made either in writing or by personal appearance and must be before the due date of the ticket. You must have a Texas drivers license. The ticket cannot have been issued in a work or school zone. It cannot be for going more than twenty-five miles per hour over the posted speed limit and it cannot be for a seat belt violation. If these conditions do not apply and you can prove financial responsibility you can have one ticket dropped every year.
Texas law requires that the defensive driving schools charge a minimum of twenty-five dollars to take a class. There are several driving schools that offer the class for the minimum price.
In addition, you are now able to take a classes through the internet. This lets you fit the class into your schedule and to break up the sessions as necessary to get your six hours training time done. For many people this is a much better option than having to take a day off work and spend it in a classroom. You can pay online with a credit card for the course and take it as it fits into your schedule. When you finish the course, there is a test that you are required to score at least a seventy on to pass the course. Material may be reviewed and the test may be taken a total of three times in order to pass the course.
There are many people that will take the course for the twenty-five dollar fee to save the ten percent off their insurance for three years. Over that time, six hours and twenty-five dollars can easily save you two to three hundred dollars. Many companies are also requiring that their employees take the course.
Remember, if you allow a ticket to go onto your driving record, it will stay there for three years. That can mean that every month for the next three years, you will pay more for your auto insurance. The other option is to make arrangements with the court to take a course and keep the ticket from going onto your driving record. Then for the next three years, instead of paying more for insurance, you will get an additional ten percent off the cost of insurance.
Why not do the best thing and take a Texas defensive driving course to have a ticket dismissed and pay less for insurance.