The tickets are a huge part of your driving record, however – how many accidents you have been in will also affect your premium big time.  If you have been in five accidents in the last five years, that is like having one accident a year and the insurance company will consider you a reckless driver that is not only not safe but also a risk to them. 

What this means for you is that you car insurance premium will be extremely high most of the time and it truly does not matter which car insurance company you go with.  Car insurance companies like to ensure that they are insuring very safe drivers and a lot of them even give discounts to safe drivers – so if they see you as a liability, it might be difficult for you to even find car insurance in the first place!

Now that you know exactly what you need to do to keep your car insurance premiums low – make sure that you do them!  Car insurance is something that you need to have and if you can save a little cash … why not do it?

Now that we have touched base on tickets and how they can affect your premium, let’s talk about what type of tickets can affect your premium.  When you are given a ticket, you are also given a checklist of how much the ticket is going to be and whether or not there are points added onto your license. 

Those points are going to be what truly will mark up your car insurance premium.  If you get a speeding ticket for example, depending on how fast you were going, your car insurance premium could go up by hundreds of dollars a month.

However, tickets are not the only thing that you need to worry about in the way of your driving record, how safe of a driver you are is something that you need think about as well.  If you are a reckless driver, that will reflect in your driving record and could make your car insurance premiums go up.

Car insurance is by far the most confusing thing in the world – I know that I am constantly confused by it and while I know that there are many different things that can affect your premium, do you know what they are?

 I didn’t until I started writing for this particular blog and now I know that my driving record actually affects what I am going to be paying for a car insurance premium.  In this post and the next couple, we are going to explore exactly what you can avoid to keep your driving record spotless!

One of the first things that you are going to need to avoid is tickets – to be completely honest, depending on which ticket you get will depend on what your premium will be.