Insurance Points: What are They?

Have you ever received a high quote from an insurance company and wondered how they came up with that price. Outside of looking at your personal information, and vehicle information, companies look at the number of insurance points on your driving record. A driver accumulates insurance points through violations such as tickets and at-fault accidents. So having points on your record do not make for an ideal affordable insurance quote. In this post, I will discuss the significance of insurance points and what you can do to lower your points.

Insurance Points

As mentioned before, insurance points on your driving record are not a good thing. In order to have points, a driver’s record would need to contain multiple violations. Things such as tickets or at-fault accidents are prime examples of violations. The point total is a significant factor for insurance companies when they are finalizing your insurance quote. Fortunately, there’s some ways a driver can get certain points taken off your record if a driver is willing to take those steps. One easy way to remove certain traffic violation points off your record would be to complete an approved driving course. Unfortunately, however, not all of the points accumulated on your record can be taken off so easily. 

What You Should Know

In addition to knowing what insurance points are and what you can do to alleviate them, there is more information you should know. In the case of a major at-fault accident or violation, such as a DUI, there may be no way to alleviate those points except through time. And of course, major at-fault accidents and DUI’s typically result in higher insurance quotes, premiums, and the Sr-22 insurance requirement. So, in this case, your rates would be affected by the points you’ve accumulated and the major violations on your record.