Homeowners Insurance. Believe it or not, accumulating points for moving violations can increase your homeowner’s insurance rates. Insurance companies have studied the connection between poor driving habits and home maintenance. They have found that people with multiple points, take less care of their homes.
Auto Insurance. Your driving history is one of the main factors in determining how much you pay for car insurance. If you drive for several years without causing an accident or committing a violation, your insurer will reward you with lower rates and safe-driving discounts.
What to do. See if it is possible to remove the points from your driving record (perhaps by attending traffic school classes) and advise your insurance company immediately.
DMV.org tip. Your insurance will only increase following a conviction, so that’s all the more reason to contest any tickets you consider undeserved.
“Spotless Driving Record.” As an incentive, in Pennsylvania, you can be granted point removal from your record for safe driving habits. For each 12 months, you drive without getting a violation that would result in points, a suspension, or a revocation, the state will trim 3 points from your record. If you can cut it down to zero points and keep it at zero for 12 consecutive months, the state will reward your conscientious ways by treating any subsequent point totals like they are your first.
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