Reader’s Question:

I got a speeding ticket 3 months ago. Then, I got another speeding citation. How will this experience affect my auto insurance coverage rates?

Maria

Baton Rouge, LA

There are so many ways in which your auto insurance coverage rates may be affected. You just have to be aware of all these car insurance premiums. Below is a common list of how one’s auto insurance coverage rates get affected.

1. Here in Louisiana minor traffic convictions stay on a motorist’s driving record for 3 years from the date of conviction, your insurance company will see both speeding tickets the next time they pull your motor vehicle record (MVR).

Insurance premiums may increase due to having two moving violations, speeding tickets, on your driver’s history. This will depend on how your insurance company’s rating system works as to how much your rates will be affected.

Auto insurance coverage rates usually differ from state to state so in order to find out about their rating system, ask your insurance agent for information since insurance rates must be filed with them.

2. If your latest speeding ticket has not been taken care of, you may want to ask the LA court if you are qualified for traffic school. If permission is granted by the court to take a state authorized defensive driving class, complete successfully and submit proof of completion to the state, the violation and the points are then removed from your driving record.

This shows that attendance at traffic school in LA is permitted to take a violation from your driving record only once every 12-18 months, and only if it is a minor traffic violation.