How does my driving history affect my car insurance rates?

How does my driving history affect my car insurance rates?

Your driving history plays a significant role in determining your car insurance rates. Insurers assess your past driving behavior to predict future risk.

What specific factors in my driving history do they look at?

They typically consider factors like the number of accidents, traffic violations, and any DUI charges. A clean record usually leads to lower premiums.

Will my rates go up if I get a speeding ticket?

Yes, getting a speeding ticket can lead to an increase in your insurance rates, as it indicates a higher risk of future accidents.

How long do these violations affect my insurance?

Most violations stay on your record for about three to five years, depending on the state and the insurance company.

Can I lower my rates if I take a defensive driving course?

Yes, many insurers offer discounts for completing a defensive driving course, as it shows your commitment to safe driving.