Driving History

It makes simple sense that if you get a lot of tickets or you’re involved in accidents, insurance companies will see you as more of a risk.

Frequent tickets are viewed as a sign of poor judgment and perhaps unsafe driving habits. Non-moving violations will have little to no impact on premiums however; DUI or reckless driving will definitely raise your premiums. Similarly, speeding tickets will raise some eyebrows but obviously, the faster you are going, the more your premiums will jump.

Of course, how much your rates increase depends on several factors such as your insurance company, policy, age, gender, etc. Younger, male drivers are usually seen as higher risks so they’re judged more harshly. Sometimes, a single speeding ticket can double or triple your premiums so make sure you obey the speed limit.

The two factors that most significantly affect insurance premiums are always accidents and DUI/DWI convictions. A single accident, even one that you’re not at fault for, can increase your premium a great deal. If you are convicted of drunken driving, your rates will surely go up if your policy isn’t dropped altogether.

After a serious accident or moving violation, insurance companies usually raise rates for about three years so it is extra important to keep a clean driving record so your rates decrease once the three years expires.