Your Auto Record Matters
Insurance companies view your overall driving behavior as a risk indicator across all vehicles.
What Insurers Look At
- Moving violations (speeding, reckless driving)
- At-fault accidents
- DUI/DWI offenses
- License suspensions
- Claims history across all vehicles
How to Improve Rates
- Time — Violations fall off after 3-5 years
- Safety Course — Certifications can offset a poor record
- Shop Around — Different carriers weigh records differently
- Bundle Policies — Multi-policy discounts help offset higher base rates
- Continuous Coverage — Gaps are a red flag for insurers
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