Learn when you may face a fine, traffic school, higher insurance premiums, or even the suspension of your driver's license.

The consequences of not contesting a ticket, or fighting a ticket and being found guilty, can be serious. As you doubtless know, you can face a stiff fine, traffic school, significantly higher insurance premiums, and possibly even the suspension of your driver's license.

Fines

A routine ticket for speeding, failure to yield, or failure to stop at a stop sign will normally cost you between $75 and $400, depending on your state law and, sometimes, your driving record. Some states can base the fine, at least in part, on whether you have other recent violations. Otherwise, states normally have standard fines for particular violations based on the type of offense. In speeding cases, the fine can be based on how much you exceeded the posted speed limit.

The fine is often written or printed on the ticket, but if it's not, it's easy to learn the amount by calling the traffic court.

While paying up may be the easiest route for you to take, it can have lasting negative consequences to you since the violation will appear on your driving record, normally for about three years. The big exception to this rule is if you pay the fine in conjunction with going to traffic school. Completion of traffic school normally means the ticket will not appear on your record.

Insurance Rates

Depending on your state law and your insurance company's policies, your auto insurance rates will normally not increase if you receive one ordinary moving violation over three to five years. But two or more moving violations -- or a moving violation combined with an at-fault accident -- during the same time period might result in an increase in your insurance bill. Unfortunately, because insurance companies follow different rules when it comes to raising the rates of policyholders who pay fines or are found guilty of a traffic violation, it's not always easy to know whether it makes sense to fight a ticket.

Before you can make an informed choice as to whether to pay, go to traffic school, or fight it out in traffic court, it makes sense to find out whether having the ticket on your record will result in your insurance rates being upped. The most direct approach is to call your insurance company and ask. The problem with this approach is that it risks alerting your insurer that you have been ticketed (something you don't want to do if you hope to successfully fight it or go to traffic school). One approach is to call your insurer anonymously and suggest you are considering switching insurance companies and want to gather information on a range of key issues, such as their criteria for good driver discounts and premium increases when covered drivers get ticketed.

License Suspensions

You won't lose your license for one or usually even two tickets for a routine moving violation like speeding, running a stoplight, or stop sign, or many other garden-variety traffic scrapes. That is, unless you are under 18 years of age, where you could lose your driving privileges in some states.

But if you have had at least three previous convictions for moving violations in the past three to five years, you could lose your license (parking violations don't count). And if you are charged with drunk, reckless, or hit-and-run driving, and have several previous convictions for moving violations, you can be pretty sure your right to continue to hold your license is in jeopardy.

In most states, license suspensions are handled on a point system. A license is at risk of being suspended if a driver gets three or more tickets in a short period. Check the exact rules with your state's department of motor vehicles. Obviously, if you face losing your license, your incentive to fight a ticket goes way up no matter what your chances of winning.

You are typically entitled to a hearing in front of a hearing officer before your license can be revoked. At that hearing it is often a good idea to explain why at least some of the violations were the result of mistakes by the ticketing officer, but for some good reason you didn't fight the ticket. It also helps to explain the specific steps you've taken to drive more carefully and safely since the violations. Also, tell the hearing officers if it is essential that you commute to work or actually drive for your job, particularly if you will lose your job if you lose your license. Finally, if you drive 15,000 miles a year or more, you should mention this as well. Argue that since you drive more than average, your chances of getting tickets or having an accident are also above average.

The Traffic School Option

Almost every state allows a person ticketed for some types of moving violations to attend a 6-to-8 hour course in traffic safety in exchange for having the ticket officially wiped from their record. Often, attending traffic school is your best choice, even if you think you have a watertight defense. After all, while a trial is always something of a gamble, traffic school is 100% reliable in keeping the violation off your record.