Does my driving record affect how much I pay for car insurance?

Your driving record has the biggest impact on how much you pay for car insurance, and in many cases, can make or break your ability to be insured at all. While many auto insurance companies offer rewards to their customers with good driving histories, the opposite is true for drivers who are unable to maintain a clean record.

Incidents that will make your car insurance rates go up:

  • Speeding tickets
  • Accidents
  • Traffic violations
  • DUI

All of these are considered signs of a high risk driver, and for that reason, most insurance companies will charge you up to triple the amount they charge drivers with clean records. In some instances, they may even refuse to insure you.

To find out what it’ll take to lower your premiums, talk to your auto insurance provider. They may be able to make suggestions to help lower your costs.

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