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Insurance Pricing:The Impact of Your Driving Record

The typical car insurance company incorporates a number of different factors into computing and determining what it will charge in the way of premiums on a car insurance policy. One of the most important factors that a car insurance company takes into consideration when developing car insurance premiums is the driving record of the insured. In point of fact, no other consideration is more important to a car insurance company that the driving record of an insured.

In this regard, through this article, you will be provided with some basic information about how a driving record will effect the amount of money you pay to a car insurance company for insurance coverage.

What is a Bad Driving Record?

In reality, you can have a minor traffic infraction or two without having a significant effect on the amount of money that you will be paying for car insurance. For example, if you have a very minor speeding ticket or some other minimal infraction, you likely will not see a very significant change in the amount of money that you spend for car insurance premiums.

However, if you rack up more than a few traffic infractions, or if you have an alcohol related charge like a DUI or DWI you will see a major impact in the amount of money that you are forced to spend on car insurance. Indeed, depending on the number of infractions that you amass or the types of charges that you have encountered, you might even find your car insurance company terminating your coverage or (more likely) not renewing your policy when it comes time to renew that policy of insurance.

Do Bad Marks on My Driving Record Go Away?

Yes. In time. Bad marks on your driving record do “go away” over time. Generally speaking, for more minor infractions, after a few years, these types of charges will not have any real impact on your driving record nor on the amount of money that you are forced to pay for car insurance.

Additionally, when it comes to more major charges against your driving record, after a period of about five years, you will find that even some of these more significant charges will tend to lessen in their impact on your insurance premium costs.

Should I Shop Around?

Yes. If you have some black marks on your driving record, it likely will serve you well to spend at least some time shopping around to find the best bargain on car insurance. In this day and age, there can be some pretty significant differences in what different car insurance companies will charge you in the way of premiums if you do have some smudges on your driving record.

Summary & Conclusion

If you have any additional questions about your car insurance premiums, you will want to contact your car insurance company, you car insurance agent or the insurance commissioner in your state. These resources can be very helpful to you.


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