Auto insurance companies typically do not adjust, uprate, raise or lower rates mid-term. For example if you have a clean driving record when you start the policy you are rated as such. If mid-term or mid-policy you get a speeding ticket conviction, your rates normally are not adjusted until the policy renewal period.

This is general information for most insurance companies in most states. State laws and insurance regulations can differ so you should be able to find out from the insurance regulator of WI, Office of the Commissioner of Insurance (OCI), what the laws are in Wisconsin regarding mid-term rate changes.

The OCI's auto insurance guide does state that a motorist may have to pay more for insurance if you are involved in an accident, get a ticket for a traffic violation such as speeding or file too many claims. You may even lose your present insurance when it comes time to renew your policy if you appear to be a reckless driver. Every insurance company decides how it will treat accidents and violations for the risks it will insure.

You will need to determine if you want the points off your record now or in a year. To find out if the judge or court may take them off if you show them proof of your traffic school then call the clerk of the court.

If you find out from the OCI that rates can be changed midterm then you should speak with your agent to find out if your insurance company does midterm changes or would only do so at renewal time. The agent should also be able to tell you how your speeding ticket will affect your rates.

Remember in Wisconsin that most convictions on a driving record are eligible to be removed five years after the conviction date. And as long as convictions remain on the driver record, the points for those convictions remain available to determine whether 12 or more points have accumulated in any 12-month period. The violation dates, not the conviction dates, are used in that determination.

If you need more information to determine if you want to use your traffic school to remove points from your WI driving record try contacting your insurance agent for rating information. If your rates do rise you can shop around for lower car insurance rates.