Globally, most of countries’ motor vehicle department has a “Point” system. They use this special system of points while accessing personal driving records. When there is any involvement of you in driving violation you have given some points. In Driving violence there is not only included accidental cases but also included traffic infraction, dunked drivers, parking infractions etc. Some Auto Insurance Company collects all types of information from you then gathers Driving Violence records from the motor vehicle department. People take Driving records very lightly but it is a chief matter for Insurance Company and unknowingly you also. There are four major Reasons to compare Driving Records from both places.
1. It effects on the overall possibility to get insurance policy.
2. The total price of your insurance policy is also affected by it.
3. It is useful for Insurance Company that how much risk you are giving to them.
4. And from that record insurance company knows that you are able to meet their insurance standards.
Usually Auto Insurance Company Use this Records as, if there are more points on your driving records, you should pay more on your auto insurance policy and Good Driving Records will decrease your Auto Insurance cost. Different Insurance Company has their own method how they use it. Frequently Insurance Company count like this because the higher pointed person means, the person with dotted driving record can get Policy by paying more than the person who has good driving record. By buying auto insurance you are transferring accidental risk to the Insurance Company. A bad recorded Driver is more risky than the good for Insurance Company. That’s why Company charge different amount from different person.
- Reduce your Auto Insurance Premium
If you really want to cut your Auto Insurance Premium then first of all be a good driver. If your Auto Insurance Premium is calculated on your driving record then you have to spend less on your Insurance premium. This is the main plus point of being a good driver. You will get noticeable discount on your auto insurance premium if there is no entry of any driving violent in your driving record book.
- Want to Pay Less in spite of having Bad Driving record
Don’t be sad if you have bad Driving record. Some Auto insurance Company has an option that if you drive or ride without any driving violent than the insurance company will forgive your old driving record and will not increase your auto insurance premium. In Auto Insurance Sector this option is known as “Accident forgiveness”. So before buying auto insurance checks that, this option is available in that Insurance Company.
Harmless driving will not only save your money but also can save someone’s’ life and there is no more important than someone’s life. So follows the traffic rules and Drive Safe.
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