How Your Driving Record Impacts Your Auto Insurance Rates

How does your driving record impact your auto insurance rates? The most telling sign of a risky driver is their driving record. Issued and maintained by the Department of Motor Vehicles (DMV), your driving record lists all moving violations and includes any accidents and/or collisions on file with police departments. Anything connected to your license is likely to show up on your driving record. This is one of the main ways auto insurance companies assess your risk as a driver, and therefore has a direct effect on your premiums.

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UPDATED: Jun 6, 2022

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