Insurance Hike after Traffic School

One of the main reasons people opt for traffic school is to mask their traffic violation and point from showing up on their driving record. Keep in mind that completing traffic school masks your point from showing up on your public driving record but the DMV still tracks the original citation (one reason is to monitor your traffic school eligibility).

If the point does show up on your driving record because you’re not eligible for traffic school or you didn’t complete traffic school, then it’s highly likely that your auto insurance rates will go up. Usually, you should always opt for and finish traffic school when given the opportunity.

Sometimes, people report that their insurance rates went up anyway even after completing traffic school. This insurance hike could happen for several reasons:

An Error

If your car insurance premium still goes up after completing traffic school, it might be due to a mistake. An error is unlikely, but you can check the following steps to confirm.

  1. Ticket Information – The best way to resolve this is to first check your traffic school completion information against the citation/traffic ticket. If you spot an error, inform the traffic school immediately and they should be able to resubmit the right information.
  2. Traffic School Submission – If your information checks out, then contact the court to check if the traffic school successfully submitted the completion to the DMV. Some courts can take a very long time to process completions – ranging from weeks to months. This could be a reason why your case is not closed.
  3. Your Driving Record – your insurer checks your driving record by running a Motor Vehicle Report (MVR) when providing a new quote or renewing your policy. You should order a copy of your MVR (commonly referred to as your driving record) for your own records. You can order a copy of your MVR online from the California DMV for $2. If you find an error, you can request a correction by submitting DL 207 to the DMV. See our blog post on how to check your driving record yourself.
  4. Court Error – There are rare cases where your case is closed by the court but the point still shows up in your driving record. This is likely due to a miscommunication between the court and DMV, which resulted in your result not being properly transmitted. In such a case, contact the court and explain the situation and they will help you contact the DMV and remove the point from your record.

After you fix the error on your driving record, you can ask your insurance company to run the quote again and that should give you a more normal insurance quote.

Other Factors for Insurance Hike

The other most likely reason for your insurance rates going up is other factors like changes to your policy, driving more than you initially claimed or claims against your policy. The best way to find out if this is the case is to call your insurance provider and ask why your rates have changed.

Keep in mind that if you do get the point on your record, depending on the violation you may have to pay an auto insurance surcharge and you may lose your California Good Driver Discount.

Losing your Good Driver Discount could hike your rates up to 35%! Your first point may not impact your premiums a lot, but if you get the second point, then you’re going to end up paying a lot. It’s best to keep the points off your record as much as possible.

Please keep mind; this is not legal advice. You should not rely on anything you read here to make decisions which may impact your life. We make every effort to provide complete and accurate information. However, we do not guarantee accuracy, completeness, timeliness or correct sequencing of the information.

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