A clean driving record can be an invaluable
asset when it comes to lowering your insurance rates. It shows that you are a
responsible driver, meaning that you are a less risky client to insurance
companies. The record lists every detail of your driving history, including
traffic tickets, traffic violations and any accident you have been involved in.
While it is possible to have a clean driving record, it is not always easy to
In fact, one in three UK-based motorists gets
fined each year, according to the Telegraph. The secret lies in avoiding as
many violations as possible. Even if you have a sub-par driving record, there
are still ways in which you can lower your insurance rates.
Here is how to take control of your driving
record and lower your insurance rates:
How Insurance Companies Use You Driving Record
Insurance agencies make cash by selling their
services to you, but they lose money through insurance claims. As a result,
they need to charge more than they will spend to make a profit. This means that
they need to charge drivers who seem risky more than they charge those who are
less prone to filing an insurance claim.
Simply put, your driving record will play a
huge role in measuring the risk of covering your vehicle. It will provide them
with information concerning your driving patterns, such as DUIs, accidents,
traffic violations, driver’s license suspensions, and driving without
insurance. This allows them to protect themselves from the risk of losing cash
when insuring you.
Professional Training and Maintaining a Clean
In the first place, the kind of training you
undergo to get introduced to the intricacies of driving will play a significant
role in helping you maintain your driving record. Ideally, you should be
trained on driving in a variety of weather conditions, assessing your driving
situation and complying with the different traffic rules. Looking for professional driving lessons is better than being trained by a
friend, and taking a test later on.
Even better, some courses will allow you to take rigorous driving lessons within a few weeks and get back to your busy schedule, making
professional training less time-intensive. Even after training, getting special
safety training courses can help you maintain a great driving record. A
defensive driving course could go a long way to keeping you safe on the road.
As long as you drive safely, you can remove poor driving points from your
Removing Points from Your Record
While some poor driving points will remain on
your record forever, others are removed after a few years. For instance, points for DUI might take several years to be
removed from your record. In some cases, insurance companies can ignore any
points that have been in your record for more than three years when calculating
your insurance rates. However, the goal should be to reduce these points.
The best way to remove the points would be to
enrol in state-approved safety driving courses. However, this will depend on
the rules of your states and the kind of courses that will help eliminate these
points. The easiest way to remove these points would be to maintain a great
driving record and wait for them to get off your record.
Lowering Your Premiums with a Poor Record
Sure, you can take the easier route to remove
your record, but you do not have to keep paying high insurance rates. For
instance, you can ask your insurance agency about accident incentives. Some
agencies offer discounts to ‘risky’ drivers if they go for a specified period
without getting involved in an accident or violation.
Next, you should consider low mileage driving.
Most agencies offer a low rate to drivers who stay below a specified number of miles since
driving less reduces the chances of filing an insurance claim.
There’s no doubt that maintaining a clean
driving record will result in more affordable insurance. But even with a poor
driving record, you can still take some steps to improve your chances of
reducing your insurance premiums. Don’t forget to shop around for policies that
best suit you.