Most people realize that their driving record will have some effects on the amount they pay for car insurance, but a lot of people do not realize how this actually works. While there are different rules in all states, most states use a system that is very similar in nature, and here are several things to understand about the effects your record may have on your insurance premiums.
No record shows inexperience
The first thing to know is that no record on file can affect your rates just as much as having tickets or accidents on your record. If you have no record, it means that you are a new driver, and new drivers pay higher rates due to their inexperience behind the wheel of a car. Over time, you will build a record of having a driver's license, and if you stay accident-free and ticket-free, you can build a positive driving record.
At-fault accidents typically last for three years
Secondly, you should realize that accidents you are in can also affect your driving record and rates, but it will depend on whether you were the at-fault driver or the victim. If you were the victim of an accident, the accident should not affect your driving record or rates you pay. If you caused the accident, then you are the at-fault driver, and this information will stay on your driving report for around three years. The length of time varies by state, but most states keep this on file for three years.
Tickets normally last for three years
Most states also have the policy of keeping tickets on a person's record for three years; however, some states may have longer or shorter time spans for this. If you have a ticket on your record that occurred within the last three years, you may pay higher rates for your auto insurance coverage.
Serious driving offenses can last a lifetime
When a person gets a DUI or some other similar type of driving offense, it can stay on their record for much longer; however, this too depends on the state and the rules in that person's state.
You cannot change your past driving history, but you can control what happens from this point on. If you choose to drive safely and avoid breaking any driving laws, you should have no problem avoiding at-fault accidents and tickets. To learn more about the costs of auto insurance, talk to an insurance agency such as Boone Ritter Insurance.
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