How Do Driving Records Impact Auto Insurance Rates?

Understanding how your driving record impacts your auto insurance rates enables you to take proactive steps to improve your driving habits, maintain a clean record and enjoy lower premiums.

At Goal Insurance in Taylorsville, Utah, we’re committed to helping you navigate the complexities of auto insurance. Contact us to discuss your situation and find the best coverage.

The Perks of a Clean Driving Record

Insurers view driving history as a reliable indicator of future risk, and a clean driving record suggests you’re a responsible driver. A driving record without moving violations and at-fault accidents may result in the following:

• Lower premiums—No accidents or violations mean lower risk for insurers, which translates into lower insurance premiums for you.
• Eligibility for discounts—Many insurance companies offer good driver discounts, which can significantly reduce your rates.
• Easier switch between insurers—Should you decide to change your insurance provider, a clean record makes you an attractive candidate for other companies, allowing you to shop around for the best deal.

Factors in Your Driving History That Influence Auto Insurance Premiums

While a clean driving record works in your favor, the opposite is also true. Various elements in your driving history can negatively impact your insurance premiums:

• At-fault accidents—Being at fault in an accident can lead to higher premiums. The degree of the increase depends on the severity of the accident and whether it’s a first-time offense or a repeated issue.
• Traffic violations—Speeding, running red lights or illegal turns are minor violations but can accumulate over time to bump up your premiums.
• Serious offenses—DUIs, reckless driving or leaving the scene of an accident can be classified as severe offenses. They may raise your premiums or lead to the cancellation of your policy.

The Influence of Traffic Violations

Speeding tickets are among the most common traffic violations, and while they may affect your insurance rates, the impact varies. For example, a single speeding ticket may result in a modest premium increase, but multiple offenses in a short period can dramatically spike your rates.

A speeding ticket typically stays on your record for three to five years, influencing your premiums during that period.

In some states, certain offenses have a more significant impact than others. For instance, a speeding ticket in a school zone may result in a more substantial premium increase.

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Contact Goal Insurance today to start comparing auto insurance quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.