Your Driving Record and Your Auto Insurance Quote

How do these two things directly affect each other? How important is your driving history in relation to your auto insurance quote and more importantly your Auto Insurance Premium rate? The smart driver should know that his or her driving record can greatly affect your auto insurance premium rates. Do you know the impacts of being tagged as a “risky driver”? Definitely your insurance premium is one of the most impacted factors in your lifestyle.

You may be wondering, how does my insurance company know if I have been a bad driver. The fact is your insurance company can consult a government agency called Department of Motor Vehicle or DMV who’s main function is to monitor and record each and every individual who has a driver’s license and their driving behavior. So, they actually see what you are doing on the road. When you are tagged as a risky driver, all insurance companies may charge you a higher premium rate compared to the person who has a clean driving record. Driving records are based solely on the points system meaning the more serious the infraction the more points added to your record. Each infraction is assigned a point value, by having more points on your record you may be tagged a high risk driver. When this happens your auto insurance premium will certainly reach the high roads.

That is not the only impact to your auto insurance. As a high risk driver or a driver with a bad record you will not qualify for any promotional discounts from the insurance company. That is a double whammy. Since you are going to pay high auto insurance premiums you are relying on discounts to help lower your costs.

What can you do about it? Will your driving records ever be erased? After you attend your hearing and comply with all fees and sanctions courts may provide you with “accident forgiveness”. They can wipe away negative points on your record if you agree to take seminars on road safety and driver improvement classes. But this process can take time, so it is always best to avoid the situation by simply being a very cautious and safe driver.

As the saying goes, one ounce of prevention is better than a pound of cure. Drive safely and responsibly it will not only protect your insurance rates but your safety as well as others. By following these tips you will experience great savings on your insurance rates. So be smart and sensible, Drive carefully and remember don’t drink and drive.

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