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Controlling Your Fremont Car Insurance with Traffic School

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 06/13/2014

Tickets happen, but traffic school can spare your Fremont car insurance from rate increases.

Fremont car insurance

Think traffic school to protect your Fremont car insurance when you see this in your mirror.

To control these unwelcome changes to your Fremont car insurance, keeping your record clean and attending traffic school when it is available will help.

Keep Your Driving Record Clean

To keep your driving record clean, there are only two things that you need to do. First, obey all traffic laws. Second, drive safely. Both of these things will help you avoid both the tickets and the accidents that cause your Fremont car insurance to go up.

Traffic School

If you get certain traffic tickets on your California driving record, you can opt to attend traffic school to prevent an increase on your Fremont car insurance. Traffic school won’t cause the infraction to be completely removed from your record, but it will mask it from being seen by the insurance company.

From the California Traffic Safety Institute website, you are not allowed to take traffic school if:

-There is a successful traffic school completion within the previous 18 months.
-The conviction is a major (2 point) violation (DUI or Reckless Driving).
-The driver was operating a commercial vehicle at the time of the violation.
-A Class A or B licensee operating a non-commercial vehicle (0 points displayed).

As long as you meet the requirements though, consider traffic school as a serious option to prevent your Fremont car insurance premium from increasing.

Traffic School Can’t Mask Everything

One of the things that traffic school can’t help you with is a no insurance ticket. Even if it could erase the ticket, your insurance company would still know that you had a gap in your Fremont car insurance coverage and they would still increase your rates.

So to keep control of this potential premium increase, make sure that you are carrying at least the minimum car insurance coverages that are required by the State of California:

-$5,000 property damage liability coverage
-$15,000 bodily injury liability coverage for one person
-$30,000 bodily injury liability coverage for multiple injuries

Again, these are just the California minimums. These Fremont car insurance coverages won’t pay for damages to your vehicle or for your injuries, but they will prevent you from getting a ticket and from getting an increase from a gap of coverage showing on you record.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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