How Auto Insurance Rates Are Affected By a Bad Driving Record

If your driving record is less than perfect, then you already know how difficult it is to get cheap auto insurance. When you apply for auto insurance, the insurance company rates your risk as a driver. Low-risk drivers are rewarded with the best car insurance rates, and may even qualify for “good driver” discounts. But if you have a moving violation, an accident, or – worst of all – a DUI on your record, you can expect to see your insurance rates go sky-high. Even if you are in an accident that is not your fault, car insurance companies will look at your record for two or three years, sometimes more.

The most common reasons for “bad driver” insurance rates are moving violation tickets, and accidents. Taking a defensive driving course may help lower your car insurance rates, especially if you are a new driver. But in general, you should be careful on the road and avoid some of the common mistakes that might lead to a moving violation. Drive at the posted speed limits, keep pace with the traffic around you, and pay special attention in school zones and around road construction. Don’t drive recklessly, or succumb to road rage. Give yourself plenty of time to reach your destination, and maintain a safe following distance between your car and the car in front of you. Tailgating, speeding, running stop signs or red lights, texting or talking on the phone while driving, reaching for items on the floor or on the seat beside you, or getting distracted by fiddling around with the radio or MP3 player, can all cost you in tickets or points against your license.

If you already have marks against your driving record, your best option is to enroll in a defensive driving course or other traffic school course, maintain safe driving habits, and wait for your moving violations to drop off your record
. After a few years of good driving practices, you too will be able to take advantage of the lowest auto insurance rates and get the best deals on auto insurance.

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