How Points On Your Driver's License Can Affect Your Auto Insurance Rates

Insurance Blog

When you get a speeding ticket or any other type of driving violation, the DMV in your city will be notified and so will your insurance company. Each time this happens, you may end up with points on your driver's license, and these points result in paying higher premiums for your car insurance. If you are tired of paying higher rates, you have a few options that may help you reduce the amount you are paying.

Know your state's rules

Each state has different rules when it comes to points and traffic violations, but most states have some type of point system, and you may want to look up the rules in your state just so that you know what they rae. Getting points on your license will not only affect your car insurance rates, but it can also result in the DMV suspending your license. Because of this, you should take every point seriously.

Find ways to get rid of the points

If you want to pay less on your car insurance and reduce the risks of losing your driving privileges, you may want to look into ways to eliminate the points you have. One of the best ways is by taking a driver's education or safety course. If you decide to do this, you must make sure you choose a state-approved program. If you do not, taking the course will not help. With a state-approved course, successful completion of the course can result in removing a certain number of points from your license. Once this occurs, you might be able to get a lower rate on your insurance.

Look for other ways to reduce your rates

In addition, you may want to look for other ways to reduce the rates you pay on your auto insurance, and one of the best options is to keep a clean driving record. In other words, you should try to drive more carefully and avoid breaking any laws, such as posted speeding limits.

You may also want to talk to an auto insurance company about other types of discounts or methods you could use to reduce your rates. This may involve raising your deductible amount a little. You might also find that combining other insurance products with your auto insurance will result in a discounted rate.

If you have any questions about the rates you are currently paying for your auto insurance, contact a local auto insurance company like Kesner Insurance Agency Inc to ask for a quote.


5 May 2017

Health Insurance Haze: Clarifying The Policy Information

When I lost my job, I also lost my health insurance. I've never had to buy health insurance on my own before, so when I went to my insurance agent, I had no idea where to start. The coverage options, deductibles, co-pays, and premiums were confusing. I wasn't sure how to make sense of all of the tiers and doctor's networks. I created this site to help others who've never purchased health insurance before. The posts here are full of resources for insurance coverage, and I hope that it will help you to find the policy that's right for you.