Did You Know?
Your automobile insurance premium is a direct result of your driving record. The amount is determined by the insurance company to cover the costs of insuring you and your family as drivers on the road. If you want to lower your premium, simply keep your driving record clean.
Safe Driving Saves Money
- Insurance companies look at your driving record for the last three to five years before giving you a premium price quote for your automobile coverage.
- If you have had a lot of tickets and/or accidents, you are considered more of a potential liability. That is because statistically, you will get into more accidents and have more tickets in the future.
Safe Driving Pays:
- You may be eligible for a lower rate if you have no accidents or tickets (especially moving violations) on your record recently.
- You may also be eligible for an accident forgiveness program if you’ve gone several years without an accident on your record.
A good driving record can reduce your deductible. For each year that you do not have an accident or get a ticket, you may be eligible to completely get rid of your deductible. This is extremely beneficial for those who elect a higher deductible in exchange for smaller premiums.
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