Whenever a car insurance provider refers to your record, good or bad, these are commonly referring to your driving record. Have you got lots of traffic tickets? Driving while intoxicated violations? Various fender benders? If not, your driving record is an excellent one.
People that have good driving records - that may be, few recorded violations - should have their car insurance rates impacted positively. But even minor issues like seat belt tickets will bear negatively on your ultimate car insurance rate.
The reason why? Good, what does a seat belt ticket tell you about somebody (other than the truth that they did not wear a seatbelt at least once)? First, it informs you that driving without a seatbelt is most likely a regular occurrence, as the law of averages says that many people do not get caught for something they have only done once.
Also, statistically speaking, somebody who does not wear a seatbelt is more likely to drive while talking on a mobile phone or not come to complete stops at stop signals. Basically, even the most minor traffic violations tell a potential insurance agent that you take risks - as well as the most minimal risk is enough to cost them money.
How can you use ‘Good Record’ to make your car insurance rates better?
Use your blinker when you turn. Use a hands-free earphone if you need to talk on the phone while driving. Drive the speed limit. Put on your seatbelt. Have servicing done on your car frequently and repair any damage immediately. All of these add up to a clean driving record and will show your responsibility and the care with which you protect yourself, your passengers, and your car - all of which will encourage your potential insurance company to offer you lower rates for your policy.
How do you know if your driving record will affect your policy and how?
Consult. If you think like your rates are too high (and who does not?) then ask how the insurance adjuster arrived at that figure and particularly ask them to explain the ways in which you might reduce that rate.
Other records that could affect your car insurance rates:
Your credit record. Your job history. Your criminal record. Any documented, legal account of your actions attests to your character and your character allows an insurance company a good picture of whether or not you can be more likely to drive recklessly and file several claims or not.
People that have good driving records - that may be, few recorded violations - should have their car insurance rates impacted positively. But even minor issues like seat belt tickets will bear negatively on your ultimate car insurance rate.
The reason why? Good, what does a seat belt ticket tell you about somebody (other than the truth that they did not wear a seatbelt at least once)? First, it informs you that driving without a seatbelt is most likely a regular occurrence, as the law of averages says that many people do not get caught for something they have only done once.
Also, statistically speaking, somebody who does not wear a seatbelt is more likely to drive while talking on a mobile phone or not come to complete stops at stop signals. Basically, even the most minor traffic violations tell a potential insurance agent that you take risks - as well as the most minimal risk is enough to cost them money.
How can you use ‘Good Record’ to make your car insurance rates better?
Use your blinker when you turn. Use a hands-free earphone if you need to talk on the phone while driving. Drive the speed limit. Put on your seatbelt. Have servicing done on your car frequently and repair any damage immediately. All of these add up to a clean driving record and will show your responsibility and the care with which you protect yourself, your passengers, and your car - all of which will encourage your potential insurance company to offer you lower rates for your policy.
How do you know if your driving record will affect your policy and how?
Consult. If you think like your rates are too high (and who does not?) then ask how the insurance adjuster arrived at that figure and particularly ask them to explain the ways in which you might reduce that rate.
Other records that could affect your car insurance rates:
Your credit record. Your job history. Your criminal record. Any documented, legal account of your actions attests to your character and your character allows an insurance company a good picture of whether or not you can be more likely to drive recklessly and file several claims or not.
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