Will my driving record have an impact on my insurance premium?


The first step taken by car insurance companies when a person purchases car insurance is to obtain the driving records of the resident state of that person as well as all the states where that person is licensed to drive. In general, the insurers would look at the driving record for the past 3 to 5 years. The premium fixed by the insurance company would be proportional to the driving record. If a person had more tickets or that person had been involved in more accidents, the premium would be much higher. If a person had a clean driving record, the premium would be relatively lesser. This is because of the fact derived from statistics that persons with more tickets and accidents would generally be involved in more accidents in the future also.