Your personal driving record has the biggest affect on your car insurance premium. There can be both negative and positive effects on coverage. Fewer citations and accidents or something as wonderful as a clean driving record reduces insurance costs. Numerous tickets, accidents, and traffic violations give off the impression that you are an unsafe driver and will cause your premiums to raise. Insurance companies do have the right to cancel a policy based on driving record alone. More serious offenses like DUI will cause incredible increases in coverage. It is possible for this infraction to double or even triple rates with some companies.

Drivers with multiple claims or DUIs are considered a financial risk and will also have increases in premium. A traffic ticket for speeding or careless driving can appear on your driving record for up to 5 years. Auto accidents can have a large affect your coverage even if you are not the at fault driver. Traffic school is available for drivers to remove one incident from their record. Drivers with a clean record are offered lower deductibles as well. Most companies over discounts and some even reward multiple years of safe driving with a decrease in down payment along with deductibles.

Some states have point systems on a driver’s record. Drivers lose points based on how many miles over the speed limit they were ticketed for as well as things like fleeing the scene of an accident. All violations are big violations, but some broken laws carry more points. Too many points will result in suspension of license and that means an increase in both deductible and premium. Texting and talking on the phone while driving is a violation in many states and tickets for these actions can results in extra fees for some companies because it is known that these drivers are not in full control of their vehicles.

If you have a good driving record and think you’re paying too much for insurance, then come by http://www.cure.com and we can help you out. Save money on low cost auto insurance today.

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