Clean Driving Record= Lower Auto Insurance Rates

Car insurance companies reward drivers who maintain a clean driving record because they consider these drivers to be safer. Keeping a clean driving record involves not only avoiding accidents, but also avoiding traffic tickets and violations. Learn how traffic tickets can affect your car insurance rates and raise your car insurance premium:

How it Works

Every time you receive a traffic ticket, whether it be for a minor infraction or a major violation (like a DWI) you may receive points on your drivers license. These points are reported on your driving record which is reviewed regularly by your car insurance company. To your insurance provider, these points translate to a risk number. The more points- the greater the risk- and vice versa.

The number of points assigned for each violation is determined by your specific state's department of motor vehicles. Below, however, is an estimated range of the number of points assigned for a few violations according to various state departments.

Offensive

Possible Points*

Running a Stop Sign

2-3

Speeding (1-20 MPH over limit)

3-4

Speeding (21-40+ MPH over limit)

4-11

Failure to Provide Proof of Automobile Insurance

4-5

Driving While Intoxicated

8-12

*These point ranges are only an estimate based and are based on the various state department point systems

How Good Drivers Are Rewarded

Not only do point-free drivers avoid point related increases on their car insurance but they also may be rewarded with a Good Driver Discounts. Good Driver Discounts are commonly awarded to drivers who have a clean driving record with no current traffic violations or accident-related claims history. Discounts like these can save drivers 15-25% on their auto insurance.

If you would like to see your driving record, you can order a copy from your state department of motor vehicles.