Your driving record is a significant factor in determining your auto insurance premium. Insurance companies view drivers with clean records as lower risks, resulting in lower premiums. Conversely, a history of accidents, traffic violations, or claims can significantly increase your rates.
How Your Driving Record Affects Your Premium
- Accidents: Being involved in an accident, especially if you’re at fault, will typically lead to higher premiums. The severity of the accident and the number of claims filed also impact your rates.
- Traffic Violations: Speeding tickets, reckless driving, and other traffic violations can increase your premium. The more serious the violation, the greater the impact.
- DUI or DWI: Driving Under the Influence or Driving While Intoxicated convictions have the most severe impact on your insurance rates. You might face significantly higher premiums or even have difficulty finding coverage.
- Insurance Lapses: Letting your insurance lapse can also affect your rates. Insurance companies may view this as a higher risk.
How Long Do Driving Record Violations Stay on Your Record?
The length of time a traffic violation or accident stays on your record varies by state. However, most states retain this information for at least three years. Some serious offenses, like DUIs, can remain on your record for longer periods.
Tips for Maintaining a Good Driving Record
- Defensive Driving Courses: Completing a defensive driving course can often lower your premium.
- Obey Traffic Laws: Avoid speeding, reckless driving, and other traffic violations.
- Maintain Vehicle Maintenance: Proper vehicle maintenance can help prevent accidents.
- Avoid Distractions: Focus on the road and avoid using your phone while driving.
By maintaining a clean driving record, you can significantly reduce your auto insurance costs and enjoy peace of mind.