How Your Driving Record Impacts Your Insurance Rates

How Your Driving Record Impacts Your Insurance Rates
How Your Driving Record Impacts Your Insurance Rates

Driving is just considered to be another mundane activity by most people, something that they simply must do to get from point A to point B. Little do they know it is among our gifts as human beings to be able to get behind a steering wheel and take to the roads.  Driving is magical if viewed in the proper light, and it is a privilege.  Every privilege comes with its corresponding responsibility, so also driving.

It is good to maintain a stellar driving record as it plays a great role in determining your auto insurance premium.

There are so many factors that go into an auto insurance company’s decision of whether to take you on or not and then, what to charge you for a policy. Auto insurance is required by law and makes of us all more conscious drivers.  One of the key factors auto insurance providers will consider before adding you to their list of customers is your driving record.

Driving Records And Insurance Rates: The Facts

What it is – Your driving record is maintained by the Department of Motor Vehicles or the DMV as it is more popularly called.  It basically lists all collisions and accidents on file with the police department as well as all moving violations.

The tie-in – There is a direct nexus between your driving record and your license so any missteps with your license will also show up on your driving record.

The points system – This is the system in vogue to measure driving violations.  The more serious the infraction, the more points you get and the more points on your driving record, the higher will be your premium.  Yes, there is a direct correlation between the number of points you have and how steep your premium is.

Be not discouraged – If your driving record is bad, don’t be discouraged.  You can still get great deals on auto insurance if you can convince them that you have changed your ways and it shows on your record that you have no misdemeanours to your name for a very long time.  Watch out for avoidable things like DUIs/DWIs: these could persist on your record for even up to 5 years or 10 and cause auto insurance companies to view you as high risk.  This creates a steep hike in your premiums.

A clean slate – In certain cases, you may be able to keep a driving violation off your record.  It depends on how good a case you present in local court and if the judge is on your side.  You might have to perform something in return like take some driving improvement classes, or whatever the department of motor vehicles decides.  Again, it all depends on the local laws in force.

The best defense – The best defense is prevention here: it is certainly always better than cure.  Be a conscientious driver who is an example to others, breathe deeply while you drive, and bless yourself and other drivers before you start.  This will put you into a good frame of mind and body and make every journey pleasurable.

No matter what – No matter what your driving record looks like, you should be able to negotiate a good deal with an insurance company and you are still entitled to be treated well because everyone does make mistakes.  But that is not an excuse to be complacent about your driving.

Those that make the extra effort to keep a pristine driving record are rewarded well by auto insurance companies and they get benefits such as accident forgiveness.

From the above discussion it is obvious that one of the primary things you should focus on as a driver is keeping your road history impeccable.  Drive proactively, think positively, and be calm (and sober, please!) before you drive: all of these will stand you in good stead in keeping a stellar driving record and being a responsible driver.

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