When it comes to car insurance, one of the biggest factors that determines how much you’ll pay is your driving record. Insurance companies use your history on the road to predict how risky you are as a driver—and set your premiums accordingly. Whether you’re a new driver or have years of experience, your driving habits can save you money or cost you hundreds extra every year.
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Why Insurers Care About Your Driving Record
Insurance is all about risk. If your record shows accidents, speeding tickets, or other violations, insurers see you as more likely to file a claim in the future. On the other hand, a clean record signals that you’re less risky—and often rewards you with lower rates.
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What Affects Your Rates Most
1. Accidents
•At-fault accidents almost always raise your premium. Insurers may keep them on your record for 3–5 years.
•Not-at-fault accidents may have less impact, but frequent claims (even if not your fault) can still raise red flags.
2. Traffic Violations
Speeding, running red lights, or reckless driving tickets all increase your rates. The more severe the violation, the higher the potential impact.
3. Serious Offenses
DUIs, DWIs, and reckless driving charges carry the heaviest penalties. They can cause your premium to double—or even make it difficult to get coverage at all.
4. Frequency of Claims
Even if your claims are small, multiple claims within a short time frame can suggest higher risk, which insurers price into your policy.
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How Long Do Violations Stay on Your Record?
Typically:
•Minor violations: 3 years
•Major violations (like DUI): 5–10 years, depending on state laws
•Accidents: usually 3–5 years
The impact lessens over time, especially if you keep a clean record afterward.
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Ways to Keep Your Premiums Low
•Drive safely and avoid violations. It sounds obvious, but safe driving is the #1 way to save.
•Take a defensive driving course. Many insurers offer discounts if you complete one.
•Ask about accident forgiveness. Some insurers won’t raise your rate after your first at-fault accident.
•Shop around. Different companies weigh violations differently—comparison shopping can reveal big savings.
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The Bottom Line
Your driving record is like a report card for insurers. The fewer violations and accidents you have, the better your rates will be. But even if you’ve had mistakes in the past, keeping a clean record going forward will steadily lower your premiums over time.