If it seems to you that there are many factors affecting your car insurance, you are right. Your credit score, the type of car you drive, your age, your gender, and who else drives your car all contribute to the premium you pay. People often don’t pay attention to their driving record, being a bit reckless from time to time, only to get a huge shock when they face the stark reality that their premium has gone up. Don’t let that be you.
The way the insurance company looks at it is how much of a financial risk are you? They want to minimize the financial burden you place on them. It is said that past behavior is the best indicator of future behavior. When they evaluate what degree of risk is associated with insuring you, almost the first thing they look at is your driving history.
Driving Record And Car Insurance Premiums: How They Are Linked
History counts – Not only will they peruse your driving record for the place you currently reside in, they will also check your history in previous places of residence. So don’t think you can get away with anything. It is best to be honest as well.
Don’t worry too much about the distant past – Yes, they will check your entire record but they will not penalize you for what you did when you first started driving at 16. The insurance company will usually check the past 3-10 years’ details. If you are a fresh driver with blemishes on your record you will have to pay for it.
Grading – Driving offences will be graded according to severity. A few traffic violations will be lowest on the list, just above this would be traffic tickets. If you have got into some accidents, you are more of a liability and will have to pay more. If you have a DUI/DWI you will have to pay quite heavily, as it should be. But everyone makes mistakes and you can aim at reducing your premiums by never drinking and driving again and taking the necessary corrective action.
Points system – This will help you evaluate what you will be paying. Since the points system is prevalent in most places, check your number of violation points which is based on the severity of your wrongful acts. Most violations will earn you between 0 and 4 points. DUIs might cost you more. This does form a good basis to estimate what you may be paying but it isn’t conclusive.
Go online – If you go online to get a quote and enter your information including violations truthfully, you will find out how much you are likely to pay in premiums.
How to keep misdemeanors off your record – You could try pleading with a judge and offer to do defensive driving courses and addiction courses if you have a DUI/DWI.
The good news about points is that every year, typically one point is taken off. So there is hope for everyone who wishes to start fresh and have a blemish-free record.
Thus it is essential to do your best to drive responsibly. Driving is a privilege and it is accompanied by the duty of mindfulness and caution. These qualities will be translated into your driving record and thus, your auto insurance rates as well. Not only are you responsible for your life and the lives of those who drive with you, you should also think you are responsible for the other drivers on the road. Drive safe and always say a prayer before you start!