If you are looking to get a new car insurance policy, you should know that auto insurance companies will take into account your previous driving record. Any tickets, violations or accidents you may have will factor into your car insurance rate, and the more strikes or points you have on your record, the more expensive your car insurance policy will cost. For this reason, it is important to stay a defensive driver and have a clean driving record.
How Your Driving Record Affects Car Insurance
Today, many car insurances companies will use a points system in order to calculate the risk level of a driver. The more points and accidents you?ve been involved in, the harder it will be to find and buy cheap car insurance. Points are added to your driving history any time you receive a ticket or are involved in an accident.
Your car insurance company will receive notification about the violation very quickly after it happens, so expect to see a rate increase the next time you need to renew your car insurance policy if you got a ticket or were involved in an at-fault auto accident.
Point Values For Different Offenses
There are different point values for different driving offenses. Tickets like speeding or running a stop sign are only worth one point on your driving record, whereas violations like driving under the influence can completely ruin your clean driving history with one offense, leading to potential license suspension, court costs, a night in jail, and very expensive car insurance for years.
It is important to remember that the points can quickly add up, so if you get many speeding tickets in a short period of time, you could find yourself in a lot of trouble with your car insurance company. Most insurance companies will take into account how many violations you have in a certain period of time, so you will have a different point rating if you have three tickets in three months compared to three tickets in three years.
Getting Too Many Points On Your Driving Record
Too many points can lead to problems for drivers, beyond increasing car insurance costs. The worst thing that could happen is a complete revocation of your driver?s license. However, many times, you will have the chance to retake driver?s education or defensive driver courses in order to improve your point score and keep your license.
Getting too many points could also cause you to lose your car insurance coverage through your current insurance company. They may choose not to renew a high risk driver after their contract is up. This means that the driver will have to find another auto insurance company to provide them a policy, and this will usually not be at a very affordable rate.
Car Insurance Quotes
To get a car insurance quote online, consumers should have any information about their previous driving record available, including tickets, violations, or accidents they may have been involved in or caused. Make sure you are completely honest when filling out a quote so that you will get the right price for the type of car insurance you apply for.
By entering your 5-digit zip code, My Car Insurance Rates offers our users the ability to shop and compare car insurance quotes online from the best insurance companies in the country, like Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers, AAA, and AARP, helping you find the best, cheap car insurance in your state, even for high risk drivers.
Enter your zip code to begin a car insurance quote now.
Source: http://www.mycarinsurancerates.com/auto-insurance-for-high-risk-drivers/
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