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Posted by on Nov 1, 2013 in Car Accidents | 0 comments

How Your Driving Affects Your Car Insurance Costs

If you have been in a car accident, whether you were the one at fault or you have been a victim of someone else’s recklessness, you understand that each accident that happens has an effect on your car insurance: whether it is speeding, DUI, car crash, or any traffic violation. Aside from factors such as the type of car you are driving, your age, or the state where you live and drive in, your driving record carries more weight on your car insurance policy.

According to the website of Habush Habush & Rottier S.C. ®, car insurance companies can also depend their rates on a whether a driver is a low-risk client or a high-risk one. Depending on the state, points may or may not be assigned after you have violated a certain traffic rule. This point system was initially made in order to track and punish reckless and dangerous drivers, and through this point system insurance companies can accurately read a driver’s risk of getting into an accident, therefore could give a higher premium.

There are ways that you can do to help avoid paying high car insurance premiums. Driving points are like golf scores – the lower the better. Avoiding accidents and being a defensive driver is just one thing you can do to help get lower premiums. You can do this by going to a defensive driving school. Ask the DMV in your area about schools they approve to get your certification, this and keeping a spotless driving record.

If your state allows points to be dropped after a certain amount of years, you can wait it out before applying for new car insurance. Make sure that the points were dropped before applying or even before getting an estimate to ensure you get the lowest possible premiums that you prefer. Lastly, if you believe you have been given a ticket unjustly, you can hire a lawyer to sort it out in court.

Make sure to check or keep up with your driving points: DMV is not perfect and could sometimes post the wrong information. This is crucial especially if you are planning to renew your policy or if you are searching for a new provider for your car insurance. Being given the wrong driving points can spell the difference when you get your insurance premiums.

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