How Long Do Auto Insurance Points in Georgia Stay On Record?
Reader’s Question:
How long do points remain on your driving Motor Vehicle Record in Roswell, Georgia? I got two speeding tickets for two points each, and a minor traffic violation for one point. Will my insurance provider in Roswell still see the offense after doing a point reduction class?
Aaron
Roswell, GA
The A Department of Driver Services (DDS) states that you can take a point reduction defensive driving course once every five years. You cannot take the traffic school class online or on a computer. The DDS only permits classroom instruction for this driving school.
According to the DDS information sheet on the defensive driving course, you may not take the traffic school for auto point reduction or insurance reduction or for more than 1 violation. It also seems that the points are reduced but that the offense stays on your driving record. If this is the case, you insurance provider can indeed see the violations and thus rate you on them.
It will depend upon your insurance company’s rating system how these moving violations will affect your car insurance premium. If your insurance rates increase, it may be time to shop around for a new insurance company. You can start here get a cheaper car insurance quote for Roswell or other cities within the state of Georgia. No obligations, its FREE
Do You Have To File a Georgia SR22 Certificate or Bond?
Q: I had to file a Georgia SR2 before, but as of this week I no longer will need to. If I change companies, do I have to tell my new company?
A: Getting out from under a Georgia SR22 filing requirement finally can be a breath of fresh air. Many drivers celebrates this by looking for low rates with another company. You should make sure to exhaust all of your options when searching for a new car insurance company, because if you don’t shop around then you’ll probably end up paying more than is really necessary.
One thing that former Georgia SR22 filers need to watch for when it comes to getting new insurance is that temptation to hide their past. The fact is that, although three years may seem like a long time, your DUI will stay on your driving record for two more after your SR22 filing period is over. This is for how long it will affect your car insurance premium. Car insurance companies have 60 days to look up all of your information, and if during this period, they find out that you misrepresented yourself, you can be cancelled at any time, which will only make your future car insurance rates even higher.
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