How to Improve Your Driving Record and Lower Non-standard Auto Insurance Rates

Having a less-than-perfect driving record can lead to higher auto insurance rates. However, there are steps you can take to improve your driving record and potentially qualify for lower non-standard auto insurance rates.

Understand Your Driving Record

Start by obtaining a copy of your driving record from your state’s Department of Motor Vehicles (DMV). Review the record to understand any violations, accidents or points affecting your insurance rates.

Take a Defensive Driving Course 

Consider enrolling in a defensive driving course approved by your state. Completing such a course can improve your driving skills and demonstrate to insurers that you’re committed to safe driving practices.

Drive Safely and Avoid Traffic Violations

Adhere to traffic laws and speed limits and avoid distractions while driving. Consistently practicing safe driving habits can prevent accidents and violations that contribute to a poor driving record.

Address Outstanding Issues

If you have any outstanding tickets or violations, address them promptly. Pay fines, attend court hearings if required and follow through with any other legal obligations to clear up your driving record.

Monitor Your Credit Score

In many states, insurers use credit-based insurance scores to determine rates. Improving your credit score by paying bills on time, reducing debt and maintaining a low credit utilization ratio can potentially lower your insurance premiums.

Shop Around for Quotes

Even with an atypical driving record, insurance companies may offer varying rates. Compare quotes from multiple insurers specializing in non-standard auto insurance to find the most competitive rate for your situation.

Contact Us

Contact Always Affordable Insurance in Las Vegas, Nevada, for more tips on improving your driving record and getting personalized auto insurance quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.