How to Keep Your First Speeding Ticket from Killing Your South Carolina Car Insurance Rates

You know, there are a lot of things local law enforcement would like you to believe. The fact that your very first speeding ticket is going to completely annihilate your chances of finding cheap car insurance is one of them! The good news is, one ticket isn't going to completely annihilate your South Carolina auto insurance rates. The bad news is, if you're not careful you could find yourself sliding into a pattern of traffic violations that will leave your insurance and your checkbook lying on the ground, begging for mercy!
If you've ever gotten a speeding ticket from a South Carolina state trooper (or whichever county cop happens to pull you over) you already know the drill. You can fight your speeding ticket, but you really don't want to. And it's probably not going to do you a whole lot of good anyway. Hey, this is one time that good behavior actually counts for something! Want to know why?

Because playing nice with the coppers can earn you your day in traffic court and a two way ticket from the judge to driving school.

If you've never been to a driver improvement course, just think Driver's Ed with a sense of humor. A slightly more adult sense of humor. And no, we're not talking about the guy that sat next to you and used to make fun of the teacher's…ah…personality all day. We're talking about a room full of adults in the market for one thing and one thing only. Making sure whichever South Carolina car insurance provider they use never, ever finds out they were convicted of speeding.

See, driving school wipes your record clean (more or less). It'll never show up on your record that you got a speeding ticket, but heaven help you if you have to appear before the same judge in court the next time! Since your insurance company never knows a thing you can kick back and relax, safe in the assurance that your car insurance rates aren't going anywhere.

But what if you've already used up your free ticket? If the judge sent you to traffic school the first time and wasn't inclined to be nearly as lenient the next time around it's all right. As far as any South Carolina car insurance company knows your driving record has been pure as the driven snow until now. And hey, it's easy to get a speeding ticket. You get out onto I-95 headed to Florida (where the average median speed is somewhere around 85) or you're tooling through Charleston and miss the speed zone sign because it's hiding behind a dogwood bush and the next thing you know you've got local law enforcement breathing down your neck.

They usually let the first ticket slide without having too much of an impact on your car insurance rates, as long it was something minor. A conviction for reckless is going to kill your car insurance the first itme, every time. The trick is to make sure you never get another one.