Good Record

What is a 'good record'?

When a car insurance company refers to your record, good or bad, they are generally referring to your driving record. Do you have a lot of traffic tickets? Do you have DUI or DWI violations? Various fender benders? If not, your driving record is a good one.

How does my record affect my car insurance rates?

Those with good driving records – that is, few recorded violations – will have their car insurance rates affected positively. But even minor issues, like seat belt tickets, will bear negatively on your ultimate car insurance rate.

Why? Well, what does a seat belt ticket tell you about someone (other than the fact that they did not wear a seatbelt at least once)? First, it tells you that driving without a seatbelt is most likely a regular occurrence, as the law of averages says that most people do not get caught for something they have only done one time. Someone who does not wear a seatbelt is more likely to drive while talking on a cell phone, or not come to complete stops at stop signs. Even the most minor traffic violations tell a potential insurance agent that you take risks. And the most minimal risk is enough to cost them money.

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How can I use my record to make my car insurance rates better?

Use your blinker when you turn. If you must talk on your phone while driving, use a hands-free headset. Drive the speed limit. Wear your seatbelt. Get regular maintenance performed on your car regularly and repair any damages immediately. All of these add up to a clean driving record and will demonstrate 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 I know if my driving record will affect my policy and how?

Ask. If you feel like your rates are too high (and who doesn't?) then ask how the adjuster arrived at that figure and specifically ask them to define the ways in which you might lower that rate.

Other records that may affect your car insurance rates

Your credit record. Your criminal record. Your job history. Any documented, legal account of your actions attests to your character and your character lends an insurance company a good picture of whether or not you will be more likely to drive recklessly and file multiple claims.

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