Why You Are NOT Getting Low Cost Car Insurance
Reader’s Question:
Im just wondering why it takes three to four years before my car insurance provider consider giving me low cost car insurance?
Amy
New Haven, CT
Each violation such as DUI or parking tickets is assigned with a specific point value for each state. If you are convicted of any of the violations, there will be a specific point values for each violation. If you get more points, your driving record will show all these points on your driving history. Each insurance providers has their own rating system or method of assessing policyholders or applicants, therefore the points on your driving history may or may affect the car insurance rates you pay for car insurance. If you get more points or violation on your driving record, this would definitely affect on getting low cost car insurance since you will be considered a high risk driver to most insurance companies especially if you have major violation such as DUI/DWI.
Your auto insurance policy may be surcharged if you have some of these violations. Most insurance providers will look at your driving history for the past 3-5 years as this is a more accurate reflection of your violation record.
One way you could check on how your violations may affect on your getting low cost car insurance is to get as much as free car insurance quotes as you can.