Behold the ultimate Lego kit: half of a Porsche 911 RSR!

Behold the ultimate Lego kit: half of a Porsche 911 RSR!

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A Defensive Driving Course Puts Money In Your Pocket

Automobile owners are constantly trying to find ways to save money on their insurance premiums. One easy way to see results is by a defensive driving course. Nearly all top insurance companies offer a discounted rate upon completion of such a course. The courses are simple to understand and straight forward in regards to the testing. The small fee associated with taking a defensive driving course will quickly be justified when you see the savings on your monthly or semi-annual bill.

How much can I save?

An approved course and successful exam can net you a discount of up to 20 percent. However, most states only allow you take a defensive driving course for point reduction in intervals ranging from 1 to 5 years.

What about my teenage driver?

It’s no secret that adding a teenager to your insurance policy is a costly expense. Enrolling your child in a defensive driving class will assist in making them a safer driver, and it can also help ease the financial pain of adding them to your current policy.

What if I don’t have time to attend a class?

A number of states and insurance companies will honor a defensive driving certificate from a course taken online. Contact your provider to double check before spending the money to enroll in an online class. There are many reputable online sources for defensive driving courses.

So, what does it cost?

Most online defensive driving courses are available for under $100 and some are as cheap as $25. However, as with most things, you get what you pay for. A quick Google search will turn up quite a few options, but make sure you verify that your choice is accepted as credible with your insurance company before you spend the money to enroll.

How do I prove I took the course?

You will receive a certificate of completion upon finishing the course and taking the exam. Your insurance company will require a copy of this certificate before honoring their discount. If you can’t print one off of the computer, most online course administrators will ship you for a small fee.

Where can I learn more?

Your local DMV is a treasure trove of defensive driving school information. Whether you are attending a course because of a court order or voluntarily taking a class to reduce your premium, your DMV will have a list of approved schools and testing facilities. Most states have strict regulations on which courses you can take. The DMV will also offer you valuable information regarding the benefits of defensive driving school. Even though you may not be able to make your ticket disappear, it is likely you can attend courses in regulated intervals to erase up to 2 points off of your driving record.

Other Frequently Asked Questions

How much is the average automobile insurance premium in the U.S.?

The United State Independent Auto Assurance (USIAA) is a national insurance company with locations in every state. They are similar to the likes of GEICO and Progressive in that they are large companies that offer the low-premium benefits you would normally find in large group coverage offerings. A clean driving record and other eligibility requirements like credit and employment history are big factors in their decision-making process. The report a low range of about $655 and a high range of $940 (per year). However, insurance premiums are calculated using a number of different factors. Depending on the number of teenage drivers, the type of vehicle that is insured, and the amount of driving violations incurred, typical premiums for most Americans range from $1,500 to $6,000 per year.

Is a completed Defensive Driving Course a requirement to receive a driver’s license?

That all depends on the state in which you reside. Some states have taken precautions to keep their roads safer, and require the course before allowing new drivers, regardless of age, to legally get behind the wheel. The courses teach the basic aspects of safe driving and prepare the new driver better than a written test and drive around the block. These states include Illinois, Iowa, Kansas, Louisiana, Nevada, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Oregon, Texas, and Virginia.

Are there any states that allow ticket forgiveness if a defensive driver’s course is completed?

Absolutely. This doesn’t mean you can continue committing violations without further punishment, but a one-time speeding incident can be dismissed with a completed defensive driving course in Alabama, Alaska, Arizona, California, Illinois, Kansas, Kentucky, Louisiana, Mississippi, New Mexico, New York, Oklahoma, South Dakota, Tennessee, Texas, Virginia, Washington, Wes Virginia, Wyoming, and Washington D.C.

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Traffic School Advertising Scams

what to Look for in Traffic School Advertising Scams.

Finding the lowest price for traffic school can be fairly difficult, as many things must be considered before signing up for class and paying for the education. Safe Driver Education is offered for many different reasons such as avoiding suspension, retaining a license, keeping insurance low, and erasing points from a record. Sometimes courses are required by a court for varying violations for such circumstances as reckless driving or driving under the influence. However, some classes take advantage of these situations and advertise faulty classes with no benefit to the driver taking them. Thankfully, we’ve provided the information you’ll need to ensure that the classes you take are not only credited towards your license, but satisfy the requirements of the insurance companies and courts as well.

What To Look For

When searching for the education you need, a surefire thing to look for in a class is an Ensure State Certification. A low priced school may sound like an excellent deal, but it can often be useless towards your driving record. Reading the fine print on a certification is important, as well as checking with your local Department of Motor Vehicles to make sure it meets the standard and qualifications of the state. The National Safety Commission is one qualification that many schools identify with, yet it still may not have the qualifications that align with your local or state authorities. The standing issue with the NSC is that many of these schools may not credit towards license reductions… resulting in loss of funds and valuable time.

Finding Savings & Discounts Online

The best place to find great deals for traffic education would be through online searches. However, more research regarding the classes should be pursued to ensure that the credit is worthy towards lowering your points or benefiting your license. What makes online courses great is the fact that they allow the student to study from the comfort of their own home at their own pace.

Another reason why people flock to online training is that a class in person can be much more costly than a course online. So once you get approval regarding what courses are of value to your state, feel free to check out what courses may benefit your record and matches the requirements you need. Another thing to consider is that the class you’re getting for a low price is worth the money, as a low price could exist for a reason. If you’re still on the fence regarding online classes, make sure that the class offers a hundred percent money back guarantee, as this can make a huge difference if you decide that the class isn’t for you.

One of the best parts about online classes is that it’s easy to find hidden fees before your hard-earned money is spent on the education. Searching for “no hidden fees” is important, as some courses require a notary for your final exam. Another case of a hidden fee could be sending your certificate to get certification from court, which can easily add to your final price once your course is over.

Special discounts can also be added to your total fee, which can often go by the requirements you need and the state you live in. With many courts requiring a deadline for course completion, this should be considered to avoid fees for late course completion.

Other Education Issues To Consider

As the information above provides a brief explanation of what to look for, there may be a few intricacies to your situation that may not resonate with your present circumstance. However, we’ve provided a few more issues that may apply to your situation to meet a resolution.

• How Many Points Are Removed Post Traffic Education? With points easily being one of the most costly things on a record, the point reduction associated with a class can vary due to your state’s laws. Some states only allow two courses a year for point reduction, as some only prevent certain speeding tickets from showing up on your record. As each course only pertains to a single moving violation, it will only remove one point from your record.
• Does Traffic School Offer Senior Discounts? With some classes and courses labeling themselves as a discount school, your situation (price) and the class can vary on a number of factors. The state, county, speed of a ticket, and desired school can all reflect the discount you may receive for a class. With many classes only offering discounts to military veterans and seniors, asking your DMV or class desired beforehand should be advised.

Considering the information above, it shows that there’s a few things to consider before taking a class at the lowest price. Enrolling in court-approved traffic school or a defensive driving course will not only help you become a safer driver, but keep your driving costs to a minimal in terms of insurance payments. Looking great on a record, a registered safe driver is well worth the generous amount of safety information it provides to the driver.

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How to Complete Traffic School Certificate Paperwork for the Court

A common consequence of committing a traffic violation is having to attend classes at a traffic school. If you successfully complete the course at the traffic school and submit to the court the necessary traffic school certificate paperwork, you will likely be able to maintain your clean driving record. Therefore, as a driver attending traffic school, it is vital that you learn how to properly submit this paperwork.

How to Submit the Traffic School Certificate

Once you receive your Certificate of Completion from the traffic school, follow the guidelines discussed below to successfully submit the certificate to the court:

• If you opt to take the course at a physical traffic school, you will be awarded the Certificate of Completion upon the course’s conclusion. On the courtesy notice you received from the court, you should find the court address. Send the Certificate of Completion to this address, along with the receipt that shows you made the payment. Ensure that you send the Certificate of Completion to the court as soon as possible so that you meet the established deadline. Besides mailing the certificate to the court, you also have the option of dropping the certificate off at the court in person.
• You will likely have to submit a proof of identity document along with the Certificate of Completion and receipt. This is especially true if you opted to take the traffic school course online instead of in person.
• Some courts will not allow the driver to submit the Certificate of Completion. Such courts require the online traffic school to submit the certificate, along with other paperwork, electronically.
• In other cases, the traffic school may have to mail the certificate and paperwork to the court.
• If the court requires the driver instead of the traffic school to submit the certificate, the responsibility of meeting the deadline falls entirely on your shoulders.
• Before you send the Certificate of Completion to the court, ensure that you sign it. The court will deem all unsigned certificates as invalid.
• Once you or the traffic school has submitted the Certificate of Completion, you should ensure that the court has received it. You can get a physical receipt if you submitted the certificate in person. If you sent the certificate via certified mail, you will receive a document from the court that signifies that they received the document. Ensure you keep this receipt to serve as proof the certificate was received in case any issues pop up. If the traffic school is responsible for sending the certificate, ensure that they send it by FedEx or certified mail.

While properly submitting the Certificate of Completion can be a bit of hassle, the hassle is completely worthwhile as it will allow you to maintain a clean driving record. It may also prevent your insurance premium from rising in cost.

The Advantages and Limitations of a Traffic School Certificate

As you may know firsthand, a traffic school certificate can do wonders when it comes to keeping your driving record clean and preventing your insurance company from increasing the cost of your insurance premium. However, the traffic school certificate does have its limitations.

Why You Should Attend Traffic School</2>

If you end up getting a speeding ticket and this ticket remains on your driving record, you insurance premium will increase as soon as your insurance company finds out. Also, when you try to renew your car insurance policy, your insurance company may refuse to insure you. Fortunately, if you attend traffic school, obtain a certificate, and successfully submit the certificate to the traffic court or Department of Motor Vehicles, you can have the speeding ticket eliminated from your driving record. Best of all, your insurance company will never find out about the speeding ticket. As a result, your insurance premium cost will remain the same and you will encounter no issues with having your policy renewed. By keeping your driving record clean, you may end up qualifying for various discounts. For example, many insurance companies offer safe driver discounts. If you choose to attend a traffic school despite not having any traffic violations, you may qualify for a less costly insurance premium.

The Limitations of Traffic School

Despite the many advantages of traffic school, it is not a panacea for all your driving woes. If you got a ticket for DUI or reckless driving, attending a traffic school will not allow you to remove these serious violations from your driving record. A traffic school certificate can only help you remove points from your driving record that are a result of minor infractions, such as speeding. Of course, different states permit different violations to be removed from the driving record with a traffic school certificate. In most states, the only thing that you can do to remove these violations from your driving record and limit the cost of your insurance rates is time.

How Can a Traffic School Certificate Be Attained Online?

A traffic school certificate only serves as proof that you are knowledgeable about the vehicle code in your state. Therefore, you can certainly attend a traffic school online to dismiss a recently received traffic ticket. Online traffic schools are quite popular among many because they allow you to complete the course while you’re at home. You will also be able to work on the course whenever you want instead of having to fit the classes to your tight schedule. However, in most cases, there are certain prerequisites you must meet before you are qualified to attend a traffic school online.

What are the Prerequisites?

Before you can sign up for an online traffic school, you must pay the fine for the traffic ticket to the court. Then, you will need to receive a courtesy notice from the court that gives you permission to attend a traffic school course. Upon receiving this permission, you must pay an administrative fee to the court. Only then will you be able to sign up for an online traffic school. The traffic school you choose must be both approved and licensed by the court you received the citation from.

How to Find a Licensed and Accredited Online Traffic School

In most cases, you will find a list of traffic schools attached to the courtesy notice you receive from the court. On this list, there will likely be some online traffic schools. If there is no such list, you will have to take your search to the Internet. Once you’ve found an online traffic school, contact a court clerk to affirm that the school is properly accredited and that the court will accept a certificate from the traffic school. The traffic school must be DMV certified.

Even with online traffic schools, it is necessary to meet the deadline set by the court. Therefore, you should keep this deadline in mind when you choose your time of study for the online traffic school.

Different online traffic schools charge different fees. Keep in mind that the cost of the online traffic school is different from the administrative fee. You pay the administrative fee to the court as compensation for allowing you to take a traffic school course to remove the traffic citation from your driving record. An additional fee must be paid to the traffic school you choose for the course.

How Are Online Traffic School Certificates Received By the Court?

After you take an online traffic school course, you will have to sent the certificate to the court authorities so that they can remove the traffic citation from your driving record. There are three ways the court can receive a Certificate of Completion from an online traffic school.

In some cases, the traffic school will be automatically transmit the certificate to the court. Ensure you talk to a representative at the traffic school to determine if they will take the responsibility of sending the certificate to the court.

The certificate can also be sent by email. The online traffic school will likely send you your paperwork in a read-only file. You can then forward this paperwork to the court at the proper email address.

Faxing and mailing is the final way that an online traffic school certificate can be submitted to the courts. Usually, you will find the mailing address or the fax number on the courtesy notice from the court.

No matter what you do, it is necessary that you send the Certificate of Completion on time. If you fail to meet the deadline, you may not be eligible to have the traffic citation removed from your driving record. Therefore, you should send the certificate to the court as soon as you complete the traffic school course.

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Last month, Takata announced a national recall of certain types...

Last month, Takata announced a national recall of certain types of driver and passenger side air bag inflators. This recall involves 11 different vehicle makes and roughly 34 million vehicles. That’s millions of people who urgently need to know what steps they should take in order to protect themselves and their loved ones. You can find the full list of makes affected by the Takata recall on here - http://buff.ly/1BxbIrN

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GM gambles on quick car redesigns in shifting market

General Motors wants to raise its game in the car space so badly that it's speeding up redesigns and loading future models with head-turning features.

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Sergio to BMW, Audi: Here comes Alfa

Sergio Marchionne's risky, $6 billion plan to turn Alfa Romeo into a premium brand - one that can challenge BMW and Audi and end decades of dismal performance - begins with three new models that will arrive by the end of 2017.

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