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There are a number of factors that auto insurance companies take into consideration when determining which rates to offer consumers. However, one element, in particular, is a person’s driving record. Providers use this to assess how risky a driver is to insure. If you’re shopping around for a new policy or looking to renew your current coverage, it’s helpful to understand how your driving history will affect the quotes you’re offered.

When the residents of New Braunfels, TX, need guidance navigating the complex insurance marketplace, they turn to Comaltex Insurance Agency, Inc. The team of dedicated professionals takes the time to explain to clients how different aspects influence the amount each driver pays for coverage.

auto insuranceInsurance companies typically view your driving history as the most telling sign of how likely you are to file a claim. Your record will detail any moving violations you’ve been cited for and all accidents you’ve filed with the police department. The more incidents your record shows, the greater the likelihood providers will view you as a high financial risk to insure. In turn, this will cause your auto insurance rates to increase.

Many carriers are seeing distracted driving have an impact on damages caused and losses paid.  It’s important to note that carriers are being creative in determining ways to reward customers with good driving habits.  For example, Safeco Insurance is promoting their RightTrack product which gives an automatic 5% discount just for installing the device.  Progressive, too, has Snapshot that is geared to offer drivers rates specifically based on driving habits. 

Typically, companies will only review the last few years (3-5 typically) of your history, so you don’t continue to pay for violations from when you were a less experienced driver. In addition, each offense is ranked according to how serious it was. Those with a DUI on their record will pay more for their premium than someone with a couple of speeding tickets. If your record is clean, you can generally expect to receive the best rates. Many providers also offer additional discounts to drivers who don’t have any infractions.

While safe driving is crucial for keeping yourself and others out of danger, there’s even more of an incentive to follow the rules of the road knowing how it can impact your auto insurance premium. It’s a good idea to monitor your record for accuracy, so you can clear up any errors that could cause you to pay more for your policy than you should. Call Comaltex Insurance Agency at (830) 625-7511 to speak with an insurance agent about your coverage needs, or visit them online for more information.

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