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Points on your driving record can have a negative impact on your insurance rates. That means the more points you have on your driving record, the higher your insurance rates will be. These points are an indicator of your past driving: for an insurance company, they predict what kind of driver you are.
The points system is used to record tickets or moving violations you get. You accumulate points that will be on your driving record for a certain period of time. If you get too many points, you pose a bigger risk in the eyes of your insurance company.
High-Risk Driving Behaviors
Moving violations include DUI, reckless driving and speeding. A DUI or DWI (driving under influence/driving while intoxicated) is a very serious violation and will definitely cause your insurance rates to go up. You'll most likely be automatically be classified as a high-risk driver.
Speeding is very common, but get enough speeding tickets and you'll end up paying more for insurance. Same goes for if you get ticketed for excessive speeding. As well, if you are seen as a reckless driver, you could get points on your driving record as well.
How You Can Avoid Getting Points
Making sure you have a good driving record is important if you want to avoid paying high insurance rates. The obvious thing to do is to drive as safely as possible so you can avoid traffic violations. Another thing to do is to make sure you keep your vehicle in good condition because even something like a broken taillight can count as a violation.
If you already have tickets or points on your driving record, you should try to take those points off by taking a traffic school or defensive driving course online. I Drive Safely offers more such courses than any other provider, and these state-approved courses are a great way to keep points on your driving record from affecting your insurance rate.
The second thing you can do is to just maintain a violation-free driving record moving forward. If you do this for a certain amount of years, you may get those points taken off. That includes making sure you drive within the speed limit, not driving under the influence, and making sure you comply with the driving rules in your state. Some states automatically drop points after a certain period of time, so you could wait it out.
In the meantime, check with other insurance companies to see if you can try to get a lower rate. Simply enter your ZIP code above, and you will see a number of insurance providers who are ready to give you a quote and help save you money.
Even if you already have points in your driving record, it isn't the end of the world. By ensuring that you drive safely, check your vehicle, shop around for a better deal, and take the correct actions to take points off your record, you should be able to keep your insurance rates as low as possible.