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QuestionInsurance Question  I live in Louisiana and got a speeding ticket 4 months ago. Now again, I got another speeding citation. How will that affect my insurance rates?

AnswerAuto Insurance Answer

Since in Louisiana minor traffic convictions remain on a motorist's driving record for 3 years from the date of conviction, your insurance company will see both speeding tickets the next time they pull your motor vehicle record (MVR).

Your insurance premiums could increase due to having two moving violations, speeding tickets, on your driver's history. It will depend on how your insurance company's rating system works as to how much your rates will be affected. To find out about their rating system, ask your insurance agent for information or you can contact the Louisiana Department of Insurance since insurance rates must be filed with them.

If you have not yet taken care of your latest speeding ticket you may want to ask the LA court if your qualify for traffic school. From the information we have found it appears that if you are granted permission by the court to take a state authorized defensive driving class, successfully complete it and submit proof of completion to the Louisiana DMV, the violation and the points are then removed from your driving record.

The information we found stated that typically attendance at traffic school in LA is allowed to remove a violation from your driving record only once every 12 - 18 months, and only if it is a minor traffic violation. Double check this information with the court listed on your ticket and also the Louisiana Department of Public Safety and see if you are eligible for this option.

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