How Your Driving Record Affects Your Auto Insurance Payment

It’s no surprise that your driving record affects your auto insurance payment. A driver with a history of moving violations or unsafe driving referred to as a high-risk driver by insurance companies, is more likely to be involved in an accident than a safe driver with a clean record. The more accident prone driver ultimately costs more to insure. Many drivers have wondered if certain offenses cause a greater increase in your car insurance payment than others. If you’re one of these drivers, then you’re in luck. found an answer.

Different Driving Offenses Carry Different Weight

Driving Record Affect Auto Insurance PaymentResearch has shown that different offenses affect your policy differently, though they all drive your auto insurance payments up. You probably won’t be surprised to learn that the offenses that drive your premiums up the most are driving under the influence (DUI’s or DWI’s) and reckless driving. These high-risk driving offenses drive your rates up an average of 22 percent and reckless driving an average of 19 percent just for the first offense, not to mention that they put points on your driving record.

More Incentive to Have a Clean Driving Record

Avoiding injury to yourself and others should be the primary factor in how you conduct yourself when you’re behind the wheel. Insurance companies offer both positive and negative reinforcement incentives to drive this point home (as well as to help protect their investment when insuring you). If you’re a high-risk driver with a poor driving record, the cost to remain insured will increase with each offense. You may also become what is referred to as a non-standard risk, which means some insurers may refuse to insure you. If you are already a safe driver, many insurance providers will reward you with a safe driver discount. You can find discounts and get free auto insurance quotes from a wide selection of auto insurance companies. even allows you to compare your quotes side by side to get the best value. Find out how much you could be saving by getting a quote today.

Learn More Abo Auto Insurance

When it comes to auto insurance, there are a lot of variables, a lot of unfamiliar terms, and a whole lot of peculiarities – particularly when you consider that each state has its own insurance market. Our Auto Insurance Explainers can help sort it out for you and make more educated decisions about your car insurance.

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Based on a survey of 100 California Residents. Average savings determined via a comparison of their selected policy against their self-reported annual premium.