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Car Insurance Question  I just recently received a notice from DMV that is ordering for me to take a re-training class. If I take this class, will it lower my insurance costs again? Because I believe they went up from the ticket I received.

You can check with your insurance provider to see if taking this re-training class will lower your insurance rates, however it is doubtful that it will if it is mandated. Insurance company discounts usually state:
 This does not apply if the course was taken as a result of a moving traffic violation.

If you take a driver improvement course, traffic school, etc on your own then in some states you do receive an auto insurance rate reduction but when you are mandated or ordered by a court or the state DMV to take this type of type of class then normally your insurance rates will not be lowered.

Most states only require that you take a re-training course if you have accumulated a certain amount of points on your license, found to be a habitual bad driver or have been convicted of certain offenses such as reckless driving or being a negligent driver. If you are required to take the class by the state due to your driving record then it is for the state to evaluate you or you to show the state that you should keep your license so an insurance company will not usually see this as a reason to lower your premiums.

Since state laws and insurance companies guidelines and rating systems do differ you can contact your insurance agent to see if this driver course will help lower your rates that have gone up due to the traffic ticket you received.

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This car insurance question was asked on 12/11/2007
This auto insurance answer was last updated on 12/12/2007
Dana M requested this car insurance solution.
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