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How Your Driving Record Affects Your Car Insurance Rates Billings MT

Since your driving record can have a direct impact on how much you pay on your car insurance premiums, it is essential to keep your record as clean as possible.

Allstate Auto Insurance
(888) 355-7971
2860 Old Hardin RD
Billings, MT
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
1603 Alderson Ave
Billings, MT
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

New York Life Insurance Company
(406) 255-6310
401 North 31st Street Suite 800
Billings, MT
 
New York Life Insurance Company - Agents- Gardner Joshoa
(406) 255-6317
401 North 31st Street Suite 800
Billings, MT
 
McElvain- Michael R
(406) 248-1213
1233 N 27th St
Billings, MT
 
Allstate Auto Insurance
(888) 355-7971
3202 Henesta Dr
Billings, MT
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
520 Wicks Ln
Billings, MT
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

New York Life Insurance Company - Agents- Miller Anthony
(406) 255-6322
401 North 31st Street Suite 800
Billings, MT
 
Swanson Roybal & Leavitt Insurance Agency
(406) 252-4104
101 Grand Avenue
Billings, MT
 
Allstate Insurance-Peggy Schneider- LUTCF
(406) 656-1331
1523 14th St W
Billings, MT
 

How Your Driving Record Affects Your Car Insurance Rates

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How Your Driving Record Affects Your Rates

Your driving record is a key part of how your insurance company will assess your premiums. They will normally get a copy of your driving record from your states motor vehicle department. Then, they will use your driving record as part of how they assess you for insurance, under their underwriting rules. Since your driving record can have a direct impact on how much you pay, it is essential to keep your record as clean as possible.

Generally, the motor vehicles department has a "point" system, which they use to track your driving record. Under the typical point system, each type of infraction (moving violations, parking tickets, at-fault accidents, driving under the influence, etc.) is assigned a certain point value. When you are found guilty of one of these infractions, the appropriate number of points is added to your driving record.

If you are discussing the score of your favorite sports team, points are good. However, when you are discussing your driving record, you want to avoid points. The more points you have, the worse your record.

Typically, an auto insurance company has the right to review the driving record of anyone who applies for an auto insurance policy from that company. They do this to determine two things:

  • Whether you meet their guidelines for insurance and are eligible for a policy under their guidelines.
  • Your risk potential to them (which will affect how much you will pay).

Having said that, every insurer has unique underwriting guidelines for evaluating prospective clients. As a result, the points on your record may have a more significant impact with one insurer versus another. As always, it pays to shop around.

Once you have insurance with a particular company, your insurer likely has the right to review your driving record. Some insurers will review your record very regularly; they may review as often as once a year on your policy renewal date. Other insurers may be le...

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