Articles Editor's Blog Reader Mail

How Your Driving Record Affects Your Car Insurance Rates Coeur D Alene ID

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 - James Gray
(866) 609-6113
1621 N 3Rd St Ste 800
Coeur D Alene, ID
Description
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Allstate Auto Insurance
(888) 355-7971
13785 W Hwy 53 Ste 5
Rathdrum, ID
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Krier- Gale A
(208) 765-8001
2310 N 4th St
Coeur D Alene, ID
 
Silvermark Insurance
(208) 664-8141
2020 North Lakewood Drive
Coeur D Alene, ID
 
Skelton- Timothy M - State Farm Insurance Agent
(208) 664-2155
1230 West Northwood Center Court Ste B
Coeur D Alene, ID
 
Allstate - Andy Cline
(866) 609-2443
780 N Cecil Rd Ste 104
Post Falls, ID
Description
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Allstate Auto Insurance
(888) 355-7971
2310 N Molter Rd
Liberty Lake, WA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Harris Dean Insurance
(208) 667-9406
PO Box 430
Coeur D Alene, ID
 
Goetz- Brian R - State Farm Insurance Agent
(208) 667-6468
1701 North 3rd Street
Coeur D Alene, ID
 
Deitz Insurance Agency Inc
(208) 664-2155
314 N 4th St
Coeur D Alene, ID
 

How Your Driving Record Affects Your Car Insurance Rates

Provided By: 

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...

Click here to read the rest of this article from Insurance Guide 101

About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap