How Do Driving Record Points Affect Auto Insurance Rates

Points added to a driving record is one situation where you aren’t considered to be doing well when the number is high. Drivers who have accumulated several points against their driving record will likely be paying higher rates for their auto insurance coverage.

Accumulating enough points on a driver’s license may result in someone being placed in a high-risk category for coverage purposes, which may mean fewer choices as far as finding an insurer willing to write a policy for that person. Some companies will refuse to provide coverage for high-risk drivers, which means that people in this category will need to find a new provider.

About the Driving Record Points System

The driving record points system is used to keep track of poor drivers by assigning demerit points for different types of infractions. For example, a driver who accumulated a moving violation may have two points added to his or her drivers license. After a certain number of points are accumulated, the driver’s license could be suspended or revoked.

Having driving privileges restored funding suspension can be an expensive process. Not only does the driver need to pay off any fines before he or she would be able to drive again, but there may be reinstatement fees that need to be paid as well.

Keep Track of your Driving Record

Since insurance companies to check out applicants driving record before deciding whether to issue a policy, it’s important for drivers to keep track of the information contained on their driving record. It is possible for errors to appear on a person’s driving record and if the error is not corrected, that driver may be paying a much higher rate for his or her auto which is coverage.

Contact your state Department of Motor Vehicles (DMV) to find out how to order a copy of your driving record. Depending on where you live, you be able to place your order online as well as by mail or in person by visiting a local DMV office. You would fill out an application form with the following information:

  • Name
  • Address
  • Date of Birth
  • Driver’s License Number

You will need to pay a fee to receive a copy of your driving record. The amount will depend on the state where you live.

Once you receive your driving record, review it carefully to be sure that there are no errors in the document. If you find an error in the record, contact the DMV in writing and ask that it be corrected. You will want to reorder a copy of your driving record later to confirm that the error has been corrected.

Check Your Driving Record Before Buying Auto Insurance Coverage

Since auto insurance companies look at a person’s driving record before deciding how much to charge him premiums, make a point of ordering your driving record a couple of months before your existing policy is up for renewal. That way, you can avoid overpaying for auto insurance due to an error on your driving record.