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Car Insurance and Your Driving Record

What you drive, how you drive and where you live can affect what you pay for auto insurance. Learn how your driving record and insurance are connected -- and what to do if an imperfect driving record impacts your insurance rate.

How your driving record and insurance are connected

  • The point system: Many states have a system that assigns points for frequent or serious traffic violations. If you're cited for a traffic violation, points may be added to your driving record based on the severity of the offense. For example, driving 30 mph over the speed limit will probably result in more points than changing lanes without signaling. If the points on your license exceed a certain level, you could temporarily lose your license. Because insurance companies can use this information to develop your rates, it’s important to keep your record clean.
  • How to avoid higher costs: The best way to avoid getting points is to drive safely and obey all traffic laws. Not only will you save money that might have been spent on traffic citations and increased insurance premiums, you are more likely to avoid an accident.

What to do if a bad driving record impacts your auto insurance

  • Request a copy of your driving record: You can get a drivers license check by getting a copy of your driving record from your state Bureau of Motor Vehicles. It should show any points you’ve acquired, as well as when they expire. Points for traffic violations are not permanent; they may be removed after a certain amount of time, as determined by your state law.
  • Take a driver safety class: If your bad driving record has caused your auto insurance costs to increase, consider taking a driver safety class. Be sure to let your insurance company know you've completed the safe-driving program; the point reduction and the class itself may make you eligible for a car insurance discount.

The provided information and safety suggestions were obtained from sources believed to be reliable and is intended for informational purposes only. Titan and its affiliates assume no liability in connection with providing it or your use of it. Your circumstances may not warrant or require some or all of the safety suggestions, and there may be additional available safety procedures that are not referenced on this webpage.

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Titan Insurance, design, superhero and Savings without the Sacrifice are service marks of THI Holdings (Delaware), Inc. Nationwide Insurance is a service mark of Nationwide Mutual Insurance Company. Price based on March 2010 analysis of available national data for liability-only policies. Subject to underwriting guidelines, review and approval.


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