Insurance Rate and One Point on Driving Record

[lostguy7]

Hello again, I knew my traffic ticket would come back and bite me.

Location: California
Court: Alameda County

My insurance rate increased by a couple of hundred dollars due to me having a point on my record. Last year (November 2nd) I had a red light violation and this last February I had a speeding ticket for going 80 in a 65 zone. I paid off all the fees and did traffic court for the red light violation. However I can't do an 8 hour traffic school for the speeding ticket because California law says that I cannot attend more than one traffic school in a 18 months period. I've searched the forums for an answer to clearing the speeding ticket and found that I can request the judge for a 12 hours traffic school.

Is that a possibility? The 12 hours traffic school would turn the 1 point to a zero point violation, but still shows up on the record. Would the insurance rates go up because of that?

Thanks!

P.S. Everyday I've been driving 5 miles under the speed limit and check for speed traps (even though I don't have to.)

[HonkingAntelope]

12hr traffic school only cancels the point against your license, not the violation itself. Insurance companies go by convictions, not just the # of points against your license (even though usually only violations that carry points are considered as part of your record). Who's your insurance company?

[lostguy7]

Hmmmm

It's State Farm

[CourtClerk]

Take it from me. State Farm counts EVERYTHING they can see.

[lostguy7]

Hmmmm should I request the 12 hour traffic school? or just pony up and pay the extra 200?