How Traffic School Saves You Money on Insurance Costs
- Marketing Advert
- Aug 1
- 2 min read
Car insurance rates are directly linked to your driving record. A single traffic violation—like speeding or running a red light, can raise your premiums for years. Luckily, traffic school offers a smart way to not only improve your driving record but also save money on insurance costs.
In this blog, we’ll explain how traffic school works, why insurance companies offer discounts, and how much you can save by completing a defensive driving course.
How Traffic Violations Affect Insurance Rates
Insurance companies calculate your premium based on risk factors. If you receive a traffic ticket, your insurance company may see you as a “high-risk driver” and increase your rates. Even a minor speeding ticket can raise premiums by 15% to 20% for 3 to 5 years.
That’s where traffic school comes in—by keeping your record clean, you can avoid higher rates.
How Traffic School Lowers Your Insurance Costs
1. Ticket Dismissal Keeps Your Record Clean
When you complete an approved traffic school course, the violation can be dismissed or masked from your driving record. This prevents your insurance company from seeing the ticket and raising your rates.
2. Defensive Driving Discounts
Some insurance companies reward safe drivers by offering discounts of up to 10-15% for completing a defensive driving course—even if you don’t have a ticket.
3. Long-Term Savings
Avoiding a premium hike can save you hundreds of dollars annually. For example, a single ticket that raises your insurance by $20/month could cost you $720 over three years. Traffic school, which costs around $50–$70, is a small investment with big returns.
Who Qualifies for Insurance Discounts?
Most drivers can qualify for a discount after completing traffic school, but it depends on your insurance provider. Discounts are often available for:
Teen drivers – Encourages safe driving habits early on.
Senior drivers – Proves up-to-date knowledge of road safety.
Voluntary participants – Even if you have no ticket, you can take a defensive driving course for discounts.
How to Claim Your Insurance Discount
Enroll in a DMV-approved traffic school (online or in-person).
Complete the course (usually 4–8 hours).
Submit the completion certificate to your insurance provider.
Ask your insurer about ongoing discounts.
How Much Can You Save?
The exact savings depend on your provider, but drivers commonly save 5%–15% on premiums. Over time, this adds up. A driver with a $1,200 annual premium could save $180 per year with a defensive driving discount.
Is Online Traffic School Worth It?
Absolutely! Online courses are flexible, self-paced, and affordable. You can complete the course at home, on your phone, or laptop, without taking time off work.
Final Thoughts
Traffic school is more than just a ticket solution—it’s a money-saving tool. By completing a defensive driving course, you can keep your record clean, lower your insurance rates, and become a safer driver.
Ready to save on insurance?
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