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How Your Driving Record Affects Your Car Insurance Rates Carson City NV

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
3915 S Carson St
Carson City, NV
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
500 Damonte Ranch Pkwy
Reno, NV
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Lewis- Marilyn Paoli - State Farm Insurance Agent
(775) 882-4875
321 West Winnie Lane Ste 106
Carson City, NV
 
Farmers Insurance Group of Companies
(775) 882-1010
305 North Carson Street Suite 201
Carson City, NV
 
Auto Warranty Reviews Online
(702) 920-8222
711 S. Carson Street
Carson City, NV
 
Allstate Auto Insurance
(888) 355-7971
655 Us Highway 50 E
Dayton, NV
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Andreas- Bret T - State Farm Insurance Agent
(775) 883-6363
810 North Nevada Street
Carson City, NV
 
Staub- Janet L - State Farm Insurance Agent
(775) 882-3315
1007 South Carson Street
Carson City, NV
 
Hill- Dana B - State Farm Insurance Agent
(775) 882-3599
1940 US Highway 50 East
Carson City, NV
 
Raker Ins Agcy Inc - State Farm Insurance Agent
(775) 782-7107
1701 County Road Ste G
Minden, NV
 

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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