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How Your Driving Record Affects Your Car Insurance Rates Grand Forks ND

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.

Mittelsteadt Rod Insurance Agency
(701) 775-9280
2305 South Washington Street
Grand Forks, ND
 
George E Wogaman Agency Incorporated
(701) 772-7108
2612 Gateway Drive
Grand Forks, ND
 
Allstate Insurance Companies
(701) 746-5410
1425 South Columbia Road
Grand Forks, ND
 
State Farm Insurance Agencies
(701) 772-5191
1521 24th Avenue South
Grand Forks, ND
 
Kouba- Kevin E
(701) 787-8811
724 N Washington St
Grand Forks, ND
 
Opdahl- Sharon L
(701) 746-0495
2534 17th Ave S
Grand Forks, ND
 
Plaza Insurance Agency Inc
(701) 775-3915
1726 South Washington Street
Grand Forks, ND
 
State Farm Insurance Agencies - Peterson Wayne F CLU
(701) 772-5987
2100 South Columbia Road
Grand Forks, ND
 
Randy Fenley Ins Agency INC - State Farm Insurance Agent
(701) 772-5684
2750 South 26th Street Ste A
Grand Forks, ND
 
Larson- Marilyn J - State Farm Insurance Agent
(701) 746-9722
2600 Demers Avenue Ste 105
Grand Forks, ND
 

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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