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There is a lot of data and factors that go into determining your auto insurance premiums. But what it all comes down to is ones liability and risk to an insurer, should you qualify for a policy with them.

The most telling sign of a risky driver is one’s driving record. Issued and maintained by the Department of Motor Vehicles (DMV), your driving record lists all moving violations, and includes any accidents and/or collisions on file with police departments. Your driving record is essentially tied to your license, so anything connected is likely to show up on your driving record.

Just because you may have a less than perfect driving history, it doesn’t mean that you can’t still find great deals on car insurance. Although some driving infractions could make getting auto insurance a very costly ordeal. Things like a DUI/DWI showing up on your record, will wind up being there for at least half a decade, and will cause some auto insurance companies to label you as a high risk driver,  resulting in additional fees and higher rates.

Most driving records are based on the popular points system. The more serious the infraction, the more point that will be added to your record. And the more points, the more you’re going to end up paying for your auto coverage.

However, some infractions can be erased from your record all together, although it relies heavily on local law, and your sentencing should you have to go to court. Some jurisdictions and departments of motor vehicles will let you wipe negative marks off your record if you agree to take driver improvement classes, or something similar, but again, it all depends on your current situation and local law.

Of course, the best defense against high rates caused by risky driving, it to drive safely and responsibly from the very beginning. Everyone has the opportunity to get low rates on auto insurance. You just need to be responsible and know where to look for the best auto insurance rates.

You won’t qualify for as many discounts with a bad record, but its even more important that you seek  as many out as possible to make up for the higher rates you’ll be paying for coverage. On the same note, those that have taken driving seriously, and kept their driving records clean have a lot to gain from special good driver discounts, including benefits like accident forgiveness.

After entering your zip code above, and a brief summary of your driving history, you’ll get quotes for different levels of coverage, from a variety of auto insurers. The rates will vary greatly depending on your driving record, as well as many other factors. But shopping for auto insurance online guarantees you’re getting the best rates and discounts on your coverage.