How do I clear points from my driving record in order to have a lower premium?

To clear points from your driving record and potentially lower your insurance premium, you can follow these steps, particularly if you are in Texas:

Steps to Clear Points and Lower Premiums

1. Understand the Point System: In Texas, moving violations typically add two points to your license, while violations resulting in a crash add three points. Points remain on your record for three years from the conviction date12.

2. Complete a Defensive Driving Course:

   • Eligibility: Ensure you meet the eligibility criteria, which typically excludes commercial drivers and those who have taken a defensive driving course in the past year1.
   • Court Approval: Obtain permission from the court before enrolling in a course. Instructions are often on the ticket or available through the Texas Judicial website1.
   • Course Completion: Complete a state-approved defensive driving course, which can be done online. This may dismiss the charge and remove points2.
   • Submit Certificate: Send the completion certificate to the court1.

3. Check Your Driving Record: Regularly review your driving record to ensure points have been removed and to monitor your progress2.

4. Avoid Future Violations: Maintain a clean driving record by avoiding further traffic violations to prevent additional points5.

5. Insurance Discounts: After completing a defensive driving course, you may be eligible for up to a 10% discount on your auto insurance premiums, depending on your provider4.

Additional Tips

• Consult with Your Insurance Provider: Discuss potential discounts and premium reductions with your insurance company after completing a defensive driving course4.
• Shop Around for Insurance: Compare rates from different insurance providers to find the best deal for your improved driving record5.

By following these steps and maintaining a clean driving record, you can potentially lower your insurance premiums over time.