Avoid Increased Car Insurance Premium Georgia GA
Reader’s Question:
I got a traffic citation for rear-ending someone’s car in an intersection here in Georgia. Minor damages to the other driver’s car were sustained, but I have negotiated to pay for repairs to avoid filing a claim with my insurer. My driving record has been clean since I obtained my license two years ago. Is there a way I can negotiate to have this ticket removed so my car insurance wouldn’t consider raising my premiums?
Sandra
Savannah, GA
Having a clean driving record is definitely one of the things considered by car insurance companies when computing for your premiums. Your driving record can also be a basis for obtaining discounts from your insurer. So, this ticket is a minor setback for you. It would be advisable for you to take a defensive driving course. The State of Georgia may elect to remove or dismiss your traffic citation upon completion of the said course. You have to remember, though, that this can only be taken once in a period of one year and can only be taken up to five times if you are trying to have tickets or points removed from your driving record. There are two ways you can go about this. You can take it the traditional way, where you attend the course in a classroom. Others however opt to take the classes online where it is self-paced. You can log-in or out anytime you want. You have to remember, though, that completion of the online course is your sole responsibility. You also have to shoulder the fees for taking the course. An online defensive driving course in Georgia costs $29.95. This amount will prove to be very cheap compared to an increased premium in the future.
Tags: auto insurance claims, auto insurance premium, Car insurance discounts, traffic violation
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