Your Driving Record Could Be Costing You Money

While your auto insurance provider bases your monthly premium on numerous factors, including where you live, how old you are and whether you rent or own your home, the factor that most significantly affects your premium is your driving record.

In fact, if you have a bad driving record or you’re a new driver, then you can expect to pay significantly more for your auto insurance coverage than someone who has a clean driving record and years of driving experience under their belt.

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Factors That May Negatively Affect Auto Insurance Premiums

When calculating your auto insurance premium, your auto insurance provider weighs a lot of factors to determine how likely you are to file a claim. The more likely you are to file a claim, the more you’ll pay for your coverage.

You can expect to pay more for auto insurance coverage if your driving record includes:

♦ Speeding tickets

♦ Crashes for which you are at fault


♦ Minor infractions, such as driving with a headlight out or failing to use your turn signal

♦ Leaving the scene of an accident

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A Bad Driving Record vs. No Driving Record

If you’re a new driver with no driving record, then your auto insurance premium is largely based on other drivers in your age bracket. For that reason, a 16-year-old driver will pay more for auto insurance than a 46-year-old new driver because statistically, teens are more likely to display risky behavior behind the wheel. An older driver with no driving record will pay more than an experienced driver of the same age, but their rates will be lower than those of young drivers.

Drivers with less-than-stellar driving records will pay more for auto insurance coverage than experienced drivers with clean records, but the degree to which a bad driving record affects your auto insurance premiums depends largely on just what your record contains.

For example, if you are at fault for a serious accident or you receive a DUI, you can expect to see a significant increase in your monthly premiums. In this case, your premium will likely be higher than that of someone with no driving experience. However, if you receive a couple speeding tickets or a citation for failing to use your turn signal, then your rate may increase only slightly, as your auto insurance provider did not have to pay out any money on your behalf.

Lowering Your Auto Insurance Premium in Nevada

The best way to lower your auto insurance premium, whether you have a great driving record, a bad driving record or no driving record at all, is to ensure that you are getting all the discounts that you’re eligible for. You may also consider researching other auto insurance providers and shopping around for a lower rate. Talking to a Nevada Insurance Enrollment auto insurance agent is the best way to make sure that you’re not overpaying for coverage and that you’re with the best auto insurance provider for your current situation.

Related Articles:

How a Speeding Ticket Can Affect Your Auto Insurance Rate

How Your Zip Code Can Change Your Auto Insurance Rate

How Do Insurance Companies Decide Auto Insurance Premiums?

13 Rating Factors That Affect Your Auto Insurance Price

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DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation.  You should consult your policy for exclusions or other language that may alter your policy.

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