Inattention, driving under the influence of alcohol and excessive speeding. These are all actions that can greatly affect your premium. Such drivers ultimately cause accidents, occasionally ending the lives of innocent people. In addition to the expenses and punishments stemming from legal trouble, reckless drivers also end up experiencing higher auto insurance rates. Other penalties will involve license suspensions, taking classes through the DMV and fees. Auto insurance following such a reinstatement is much more expensive than traditional rates.
Why is your premium so high? When auto insurance companies calculate premiums, the most important issue they research is the customer's driving history. Tickets and auto accidents usually stay on a person's record for three years. Major infractions can stay on your record for up to 10 years! Age, gender, driving frequency, parking location, car type, and desired coverage are also considered.
Now, I know you don't have control over yo ...