Comments on: My Most Expensive Ticket So Far http://www.thesunsfinancialdiary.com/living/my-most-expensive-ticket-so-far/ Sat, 21 Nov 2009 20:14:32 -0800 http://wordpress.org/?v=2.8.6 hourly 1 By: Mike Kelly http://www.thesunsfinancialdiary.com/living/my-most-expensive-ticket-so-far/comment-page-1/#comment-31799 Mike Kelly Tue, 18 Dec 2007 23:58:44 +0000 http://www.thesunsfinancialdiary.com/2007/04/04/my-most-expensive-ticket-so-far/#comment-31799 Hi Sun, Excellent post & blog in general. Is there anywhere to view how many points you currently have on your record (& if so; is there anywhere you can view it free of charge; or do you have to order a driving history from your state for ~5$..assuming that is where one would find the info). Hi Sun,

Excellent post & blog in general. Is there anywhere to view how many points you currently have on your record (& if so; is there anywhere you can view it free of charge; or do you have to order a driving history from your state for ~5$..assuming that is where one would find the info).

]]> By: Surprise: No Increase in Car Insurance Premium | The Sun’s Financial Diary | A Personal Finance Blog on Saving and Investing http://www.thesunsfinancialdiary.com/living/my-most-expensive-ticket-so-far/comment-page-1/#comment-30644 Surprise: No Increase in Car Insurance Premium | The Sun’s Financial Diary | A Personal Finance Blog on Saving and Investing Tue, 11 Dec 2007 15:47:40 +0000 http://www.thesunsfinancialdiary.com/2007/04/04/my-most-expensive-ticket-so-far/#comment-30644 [...] on how I can eliminate the points and prevent my auto insurance premium from going up after posting my story, but lot of things have been going on and I never got time to follow any of the suggestions. So the [...] [...] on how I can eliminate the points and prevent my auto insurance premium from going up after posting my story, but lot of things have been going on and I never got time to follow any of the suggestions. So the [...]

]]> By: Tim http://www.thesunsfinancialdiary.com/living/my-most-expensive-ticket-so-far/comment-page-1/#comment-5581 Tim Thu, 05 Apr 2007 07:10:58 +0000 http://www.thesunsfinancialdiary.com/2007/04/04/my-most-expensive-ticket-so-far/#comment-5581 Sun, as in my email reply, it varies from state-to-state as to whether you have to attend classroom or can do an online or video rental course. for NJ, you have to attend classroom which is around $70. the benefit can be two-fold. you get the points removed and you may get insurance reduced. normally, you get two certificates. one for the DMV, the other for your insurance company. some insurance companies do not offer a reduction for courses though. your insurance company should never know about the points. in my case, for TX, TX allows for online courses. I rented the course from blockbuster. You do not have to pay the ticket, but have to pay an administrative fee, plus the online course. you submit the course certificate with the ticket and they do not report or add points. at that time, my insurance company also gave reduction for defensive driver course. so, i sent them a certificate in order to get the reduction. for TX, you can continue to get the insurance reduction for 3 years then you have to retake the course. CAVEAT: if you had taken the course and then got a speeding ticket within the 3 yr period, having done the course does nothing. I believe this is the same for all the other states that accept DD for pt reduction or ticket dismissal. Sun, as in my email reply, it varies from state-to-state as to whether you have to attend classroom or can do an online or video rental course. for NJ, you have to attend classroom which is around $70. the benefit can be two-fold. you get the points removed and you may get insurance reduced. normally, you get two certificates. one for the DMV, the other for your insurance company. some insurance companies do not offer a reduction for courses though. your insurance company should never know about the points.

in my case, for TX, TX allows for online courses. I rented the course from blockbuster. You do not have to pay the ticket, but have to pay an administrative fee, plus the online course. you submit the course certificate with the ticket and they do not report or add points. at that time, my insurance company also gave reduction for defensive driver course. so, i sent them a certificate in order to get the reduction. for TX, you can continue to get the insurance reduction for 3 years then you have to retake the course. CAVEAT: if you had taken the course and then got a speeding ticket within the 3 yr period, having done the course does nothing. I believe this is the same for all the other states that accept DD for pt reduction or ticket dismissal.

]]> By: The Sun http://www.thesunsfinancialdiary.com/living/my-most-expensive-ticket-so-far/comment-page-1/#comment-5566 The Sun Wed, 04 Apr 2007 21:30:01 +0000 http://www.thesunsfinancialdiary.com/2007/04/04/my-most-expensive-ticket-so-far/#comment-5566 Tim: Thanks for the tip. I went through the list of available driving class and found the nearest one is still about 17 miles from where I live. I think I will have to call them to see what exactly needs to be done in getting the 2 points removed. I never thought about taking a course, but it's definitely an option now. BTW, how do you taking the course by watching a video. Is that on option available to everybody? Golbguru: That one third ounce of gold really got me, :D. Tim: Thanks for the tip. I went through the list of available driving class and found the nearest one is still about 17 miles from where I live. I think I will have to call them to see what exactly needs to be done in getting the 2 points removed. I never thought about taking a course, but it’s definitely an option now. BTW, how do you taking the course by watching a video. Is that on option available to everybody?

Golbguru: That one third ounce of gold really got me, :D .

]]> By: Golbguru http://www.thesunsfinancialdiary.com/living/my-most-expensive-ticket-so-far/comment-page-1/#comment-5564 Golbguru Wed, 04 Apr 2007 21:12:05 +0000 http://www.thesunsfinancialdiary.com/2007/04/04/my-most-expensive-ticket-so-far/#comment-5564 Slow down cowboy :) ...if it gives you a bit of encouragement, I drive within speed limit ...it's the most enjoyable kind of driving you can get (although I am tempted to speed often). If you need more encouragement, read this for a while: http://www.thetaoofmakingmoney.com/2007/02/13/244.html You have probably gone over that before. :)..but just in case you missed it. If that doesn't work for you, think about the ounce of gold you could buy in the cost of three speeding tickets...that will surely slow you down. :) Slow down cowboy :) …if it gives you a bit of encouragement, I drive within speed limit …it’s the most enjoyable kind of driving you can get (although I am tempted to speed often). If you need more encouragement, read this for a while:

http://www.thetaoofmakingmoney.com/2007/02/13/244.html

You have probably gone over that before. :) ..but just in case you missed it.

If that doesn’t work for you, think about the ounce of gold you could buy in the cost of three speeding tickets…that will surely slow you down. :)

]]> By: Tim http://www.thesunsfinancialdiary.com/living/my-most-expensive-ticket-so-far/comment-page-1/#comment-5560 Tim Wed, 04 Apr 2007 19:32:05 +0000 http://www.thesunsfinancialdiary.com/2007/04/04/my-most-expensive-ticket-so-far/#comment-5560 states vary as to what a defensive driving course can do. normally, if it is possible it is listed on the speeding ticket. you still have to pay an administrative fee and the cost of the defensive driving course, but it is far less than the ticket plus hit to your insurance rating. for new jersey, you can remove the 2 pts you got for the speeding ticket by taking an approved defensive driving course. http://www.state.nj.us/mvc/Licenses/Defensive.htm Probably worth it in terms of added insurance. many can be done online. i did mine by renting it through blockbuster. states vary as to what a defensive driving course can do. normally, if it is possible it is listed on the speeding ticket. you still have to pay an administrative fee and the cost of the defensive driving course, but it is far less than the ticket plus hit to your insurance rating.

for new jersey, you can remove the 2 pts you got for the speeding ticket by taking an approved defensive driving course. http://www.state.nj.us/mvc/Licenses/Defensive.htm
Probably worth it in terms of added insurance. many can be done online. i did mine by renting it through blockbuster.

]]> By: goldfish http://www.thesunsfinancialdiary.com/living/my-most-expensive-ticket-so-far/comment-page-1/#comment-5549 goldfish Wed, 04 Apr 2007 16:23:36 +0000 http://www.thesunsfinancialdiary.com/2007/04/04/my-most-expensive-ticket-so-far/#comment-5549 Just think it's a good thing because it reminds us safety is the first important thing in our life. Imaging somebody else drives fast when your daughter is playing in the neighborhood. Best, Goldfish Just think it’s a good thing because it reminds us safety is the first important thing in our life. Imaging somebody else drives fast when your daughter is playing in the neighborhood.
Best,
Goldfish

]]> By: Lulu http://www.thesunsfinancialdiary.com/living/my-most-expensive-ticket-so-far/comment-page-1/#comment-5543 Lulu Wed, 04 Apr 2007 15:14:13 +0000 http://www.thesunsfinancialdiary.com/2007/04/04/my-most-expensive-ticket-so-far/#comment-5543 I got a speeding ticket a couple of years ago for doing 55 in a 35 zone. Before that I had always driven the speed limit but I was late coming back from lunch that day and did not want to call to say I would be late. I took online defensive driving for $20 and did not have to pay the massive ticket....but from that day on I always drive the speed limit. My cellphone is always charged so I just call to say I will be late because I do not want to pay for another ticket....or have to do that horrible defensive driving thing again. So in response to your question on how many people drive the speed limit: 1 so far...that's me. I got a speeding ticket a couple of years ago for doing 55 in a 35 zone. Before that I had always driven the speed limit but I was late coming back from lunch that day and did not want to call to say I would be late. I took online defensive driving for $20 and did not have to pay the massive ticket….but from that day on I always drive the speed limit. My cellphone is always charged so I just call to say I will be late because I do not want to pay for another ticket….or have to do that horrible defensive driving thing again.
So in response to your question on how many people drive the speed limit: 1 so far…that’s me.

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