Category Archives: Auto Insurance

Auto Insurance

Insurance Companies:


Besides paying the cost of the ticket, your insurance company will greatly raise the cost of your coverage. The average speeder gets a rate increase of 25% per year for a single offense! That can be well over $600 per year in some cases! Now, you may be thinking “That’s only fair. People who drive faster get into more accidents.” That’s true.

But what about all of those speeders who aren’t driving unsafely? Does going ten miles over that speed limit really make you more of a liability? Probably not. So, even if you aren’t increasing their risk, you are filling out their coffers with ludicrous premiums. The point of an insurance company is not to ensure the safety of your property or body; it’s to make a profit.

Nothing helps an insurance company meet their bottom line better than a speeder who doesn’t increase their risk but is forced to pay a higher rate. What’s worse, these companies know this very well! Just last year, the Geico Insurance Company gave United States police forces over twenty million dollars to upgrade their speed detection equipment and to supply additional radar guns.

Why would they do this? Do you think a private company would give this kind of money away out of legitimate concern for your safety? Certainly not. Geico knew that it could cut a larger profit margin if police forces caught more speeders!

City Governments: Many cities do not charge a sales tax. Often times, these city governments are under-funded and cannot meet all of their citizen’s needs without another way to come up with the funds. Where do you think that ridiculous speeding fine goes after you pay it?

No matter how you spin it, the simple fact of the matter is that the more speeders the city catches, the more money they will have! With the corrupt nature of many city governments, do you really want to cut a check to help some politician buy another flashy car (so HE can speed and get away with it?)

Police Officers: City governments believe that, without setting a quota, many officers won’t pull in enough speeders to generate the appropriate amount of revenue. Sure, they’ll still catch the really bad ones, the ones driving unsafely, and the ones that deserve to be caught.

But they won’t catch enough people like you and me! The city depends on minor speeding offenders for funding, so they set quotas for officers to fill per months, or they can lose their salary and become disqualified for promotions. That means, at the end of each month, officers who are behind on their quotas are going to need to pull people over for frivolous speeding charges!

Did you put anyone else’s life in danger for going eight miles per hour over the speed limit? No! But they have a quota to meet, so they’ll pull you over anyway.

Lawyers: Most lawyers do not like being involved with traffic law because the amount of money involved is relatively small compared to what they can pull for larger cases. However, lawyers who are new to the business will often need to take these kinds of cases in order to make ends meet.


While these lawyers can usually get your ticket dismissed (often using the same methods I will share later in this book), they will charge you essentially the price of the ticket, claiming that it was worth it because they don’t get points on your license or raise your insurance rates. But isn’t the point of getting a ticket dismissed to save money?

Considering the amount of people who depend on you to pay your ticket in order to gain in some way or another, doesn’t it seem pretty hard to simply believe that the system exists to protect drivers? How can this system claim to be totally honest when so many people benefit from you getting caught speeding?!?!

The simple answer is that it can’t. While the system works well enough to catch drivers that are driving recklessly, drunk, or aggressively, it taxes honest people like ourselves way too

This is the myth of the speeding ticket: if you’re caught speeding, you did something wrong and you must pay. It’s very black and white. But we in the real world know that there are just too many shades of grey for this to be fair.

That’s why I designed this system. My techniques can help people like ourselves break the cycle and avoid paying out of our ears for fines that we don’t deserve.

 The Cost of Tickets


Since the global economic collapse, the average American is struggling to make ends meet.

Real unemployment is nearer to ten percent, and foreclosures are still on the rise. It’s never been more important to save money in every little way that we can.

Are you aware of how badly a speeding ticket can set you back in this process?

The average cost of a speeding ticket today is almost Four Hundred and Fifty Dollars! And the sad part is that’s just the cost of the ticket. You will need to add the increase in your

insurance premiums to that amount as well. So, let’s say you pay $1600 per year for your insurance, and your rate takes a 25% hike after the ticket. This will increase the total cost of your ticket to $850. You can lose sight of your speedometer, harmlessly go a little faster than the posted limit, and suddenly find yourself $850 in the hole.

Let’s take a minute to think about what that money could have been spent on instead of needlessly paying your ticket:

You could have put yourself and your family up in a hotel room for over a week  You could have paid for two plane tickets to almost anywhere in the world.

You could have upgraded your car with a new sound system or paint job.

You could have bought groceries for well over two months.

You could have invested it in the stock market, which means you’re also losing whatever that stock would have yielded.

You could have bought a new TV or paid the cable bill for up to a year.

You could have paid off part of your credit card debt.

And so on. I’m sure you can think of literally thousands of things you would rather have spent your money on than paying that speeding fine. So why pay it? Later in this text, I’ll show you a way to get around the system that the courts desperately don’t want you to know.

Some Anecdotes

Before I started writing this book, I went around and asked people for their most frustrating stories regarding getting pulled over for speeding. Here are two of my favorites.

I believe that they’re useful for illustrating the type of situation that my system is designed to remedy.

Margaret from Fort Worth, TX: “I was driving my child to school one day. My son has a particularly difficult teacher (he’s in the seventh grade) who automatically fails students for more than ten tardy marks. Because of auto troubles that my family has historically had, he was at his ninth. We can’t really afford fixing our car at this moment, not on our budget.

The thing refused to start again, and when I finally got it running, we only had ten minutes to get him into class before he would fail for the year. I decided to step on it a little, and went 45 down a back road that would have gotten us there on time. Sure enough, I see a cop turn the corner after me and turn on his lights. I pleaded with the officer and shared my story, but he didn’t buy it, and issued me a three hundred dollar ticket. He must have had to meet his quota or had absolutely no heart. Thankfully, my son passed, but only after several parent- teacher conferences.

We had to cancel the family vacation to compensate for the cost of the ticket and the insurance hike, though.”

Do you really think Margaret deserved all of those consequences? I don’t think so, and if you’ve read this blog, then I would guess you don’t think so either. Here’s another:

Thomas from Boston, MA: “My brother has diabetes. When he had an episode, my wife and I tried to speed to the hospital to see if he was OK. I was so focused on his health that I didn’t even bother looking at how fast I was driving. Needless to say, I was very frustrated when the police pulled me over for speeding. When I explained my situation, he hurried with the writing of the ticket but still decided to issue one. I went to court and argued my case, but the judge did not dismiss my case.”

Examples of innocent, hardworking people with emergencies or slight lapses in concentration being billed and treated as criminal offenders are rampant. They happened to me, and they’ll probably happen to you at one point in your life. After all, it’s what the system was designed to do!

 “Other Methods”

One question a lot of people asked me when I told them that I was writing this blog was “Aren’t there already plenty of effective methods for getting out of tickets? Why shouldn’t I just use one of those?”

Well, the simple answer is that these methods simply don’t work as well as my system. The courts and the police are bound to obey and enforce one thing: the law. Because I use a sound, legal argument that uses precedent case law and evidence rules of procedure against the speeding ticket-givers, I regain the power and am able to dismiss tickets at a much higher rate!

Let’s go over some of the more common myths about how to get out of speeding tickets and precisely why they do not work.

Ticket Lawyers: While these people usually do a pretty good job of getting you out of your ticket situation, my system holds several advantages over using a lawyer. One, my system essentially includes the same tactics that lawyers would use to get the case dismissed, but without the expensive fee. Lawyers often charge around the same price as the ticket for their service fee. While this means that you’ll get no points on your license and no hike in your insurance policy, it doesn’t do much to save you money for the cost of the ticket.

My system will allow you to get your case dropped for absolutely no additional charges. No professionals, no lawyers, and no more money coming out of your pocket.

Paying the Ticket: Many people, upon being ticketed, simply just write a check and send it on in. Why would you do this? Remember that it’s not just a fine that you’re paying. If the only consequence for speeding was the fine, then I wouldn’t need to be writing this blog.

The auxiliary consequences of tickets are often more painful and more costly than the upfront expenses. Your insurance rates will rise by at least 25% (on average), and “points” will be put on your license. In some states, all it takes is three or four speeding tickets to accumulate enough points to have your license suspended for up to a year or more! I can’t tell you how many people have told me that they weren’t paying attention to their point totals and suddenly found themselves incapable of driving. Don’t pay that ticket! Simply use the system that I explain later in this text.

Using a Good Excuse: If you think you can walk in to court and tell the judge a pity-story about how you were in an emergency and needed to speed, then I’ve got some sad news for you, my friend. Unless you can back up your story with some serious evidence, he’s going to assume you’re lying. He has to! Think about it. If excuses frequently worked for getting out of tickets, then everyone who was pulled over would be bending over backwards, making up ridiculous tales about how their child has a serious disease, etc. Because excuses are so easily fabricated, any judge in their right mind simply can’t heed them.

They’ll tell you that they’re sorry about you situation, and tell you to pay up. Plus, there’s just too much money to be made to listen or care about your potentially legitimate excuse.

Try to Reschedule the Court Date: Many people try this sneaky tactic, which involves rescheduling the court date to the ticketing officer’s day off under the assumption that he won’t show up. While this can work occasionally, it is by no means foolproof and can backfire in several ugly ways. First of all, it can be very difficult to even get the officer’s schedule, which means you may have to guess. Even if you do successfully move the date, the prosecutor will ask the judge to reschedule the date again once he sees that the officer isn’t there (it would only be fair, since he moved the date for you!) Finally, this trick has been tried so many times that most judges and prosecutors are savvy to it.

Once they see that you’re trying to pull a fast one, they’ll be sure to throw the book at you.

Questioning the Officer’s Judgment:

One little trick that many people try to pull is to question whether or not the officer tagged the right car with the radar gun.



People try to suggest that a truck or another car was driving much faster than them in their vicinity, and that the officer made a mistake and pulled over the wrong person. This method doesn’t work, ever. In this situation, it’s just the officer’s word versus yours, and the officer always wins, always.

They can simply say that they have received training on using the equipment and do not believe that they made a mistake, and that will kill your argument immediately.

I’ll say it again: the only way to definitively beat the system, every time, is to use its own rules against it. No bull, no sappy stories, and no he-said-she-said arguments or sneaky tricks will ever pull you out of a ticket like my system will because my system is based on the law.

You now know why my system is the best method for getting out of tickets (as compared to other “methods” which don’t reflect my hours and hours of research). You also know that it’s OK to get out of your ticket. If you aren’t a habitual speeder, then you don’t deserve the multiple penalties and fines that come with getting cited for speeding. Keep reading on to the next chapter for the definitive list of tips on how to avoid being pulled over in the first place (for future emergencies, of course.)

How To Avoid Speeding Tickets