Car insurance companies weigh a variety of factors when deciding coverage costs, but few are as important as your driving record. If you have points on your license because of a traffic infraction or accident, insurers may assume that you’re a reckless driver and hike the rates or refuse to offer coverage at all. Fortunately, there are ways to legally have points removed from your license and bring down your auto insurance costs.

How to Remove Points From Your Driver’s License

Wait for Points to Expire

Each state allows points to “fall off” your license after a certain period, which may be two to five years. In Tennessee, drivers who accumulate more than 12 points in a single year may have their licenses suspended, so points start to disappear during the second year. As long as you don’t receive any further tickets or cause an accident, your insurance rates should gradually go down.

Attend a Safe Driving Course

Many states allow drivers to take an approved safety course, after which points will be removed from their license. Unfortunately, Tennessee only gives you this option if you’re already in danger of losing your license. However, most car insurance companies offer discounts to drivers who complete these courses, so it may still be a worthwhile investment.

Pay the Fine Early

Some courts will automatically reduce the points of a ticket if you pay the fine before the due date. Unless you intend to try to get the ticket dismissed, paying the fine as soon as possible could save you thousands of dollars in the long run.

With over 30 years of experience in serving drivers throughout the Upper Cumberland Area, Lafever Insurance Agency works to ensure everyone gets the coverage they need. They work with a wide range of specialized car insurance providers, giving them the ability to find the best rates possible, even if your driving record is less-than-perfect. Visit their website to learn more about their services, or call (931) 526-3377 to request a free quote today.