TUESDAY, NOVEMBER 23, 2021
Whether you like it or not, automobile insurance premiums are a direct result of your driving records. Insurance companies make certain that premiums cover the costs of insuring you and your family as drivers on the road. If you want to lower your premium, just keep your driving record clean.
SAFE DRIVING SAVES MONEY
Premium Prices:
Before giving you a premium price quote for your automobile coverage, insurance companies look at your driving record for the last three to five years.
Your driving record reveals how risky you would be as an insured driver.
If you have had lots of tickets and/or accidents, you are considered more of a potential liability because statistically, you will get into more accidents and have more tickets in the future.
Safe Driving Pays:
You may be eligible for a lower rate if you have no accidents or tickets (especially moving violations) on your record recently.
You may also be eligible for a significant discount after several years of good driving.
If you’ve gone several years without an accident on your record, you may also be eligible for an accident forgiveness program.
Safety First
For each year that you go without an accident or ticket, you may be eligible to reduce—or eliminate—your deductible. This is helpful if you have elected a higher deductible in exchange for a smaller premium.
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It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
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