How It Affects Your Driving Record and Car Insurance Rate

Ever wonder how the state determines when a license should be suspended? Believe it or not, the traffic police are not out to get you. Most states use what is called a point-system when it comes to your driver’s license. To save money on your insurance, use our online form to compare quotes from multiple companies.
What Is The U.S. Point System?

The points system helps the DMV track reckless drivers. It is in place to curb the amount of dangerous drivers on the road and enforce traffic laws.

Think of it like a demerits system. Like demerits, points can usually either be added or taken away (depending on your state’s system rules, the accumulation of points can either be a good or bad thing). Each state varies in their implementation of the point system (some states don’t use it at all).
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The severity of the moving violation(s) will cause points to be issued to your driving record; this will result in various fines, fees, and eventually, a suspension of your license.

To learn about the point system’s rules and regulations in your area, contact your local DMV and your area’s police department. They can give you more specifics on the point system that affects you. Your DMV can also tell you how many points you have on your record, as well as other details on your driving record. You can use that information to know where you stand as a driver in your state and whether or not you need to get proactive and work toward a better driving record.
How Does The U.S. Point System Affect Car Insurance Rate Quotes

Usually infractions on your record will have car insurance quotes and rates skyrocketing for you faster than you expected. You will end up paying more in insurance premiums, which will go up after you’ve committed a moving violation.

The more infractions (and therefore, the more points) you have on your driving record, the more risky you are to insure. As such, insurers will offer you higher car insurance quotes and rates. Accumulating points and being a reckless driver is not an affordable insurance lifestyle.
What Can You Do About The Point System & How It Affects You?

Keep a regular flow of communication with your local DMV to learn as much as you can about the point system in your area and your personal driving record. Learn how many points each moving violation tallies (the more severe the violation, the higher the tally). Getting a copy of your driving record will definitely help you know how you are viewed as a driver (Are you reckless? Responsible?); you can also see what infractions you can get expunged off of your record through driving school or a few months of driving supervision.

Your DMV can also tell you how to maintain or earn a clean driving record. A pristine driving record is the first step to finding affordable car insurance quotes. To find the best insurance quotes easily and quickly use our online forms located here to compare multiple offers and insurance agents will be in touch with you to offer their rates and policies.

Car Insurance For New Drivers

Regardless of your age, buying car insurance for the first time is likely to be pretty expensive. For young motorists in particular it's not uncommon for a new driver insurance policy to cost more than the car itself.

We all know that driving without cover is against the law. But just because you don't have a choice in the matter doesn't mean you can't take steps to find the cheapest new driver car insurance possible.
What To Look For In A New Driver Insurance Policy

Price - as a new driver, car insurance won't be cheap but with over 100 companies to choose from it pays to shop around using our comparison tool to track down the most competitive prices when buying your first policy.

Suitable protection - cost is a factor but making sure your policy provides adequate security is just as important. Don't scrimp on cover that could prove invaluable should you need to make a claim.

An insurer you can trust - in the event of a claim, having confidence in your insurer to provide a friendly and efficient service is important. You can find more information on potential insurers by using our reviews and forums.
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How To Select The Right Level Of Cover

When buying car insurance for a new driver it's well worth taking time to assess the policy options available to you. Making the right choices can provide peace of mind in knowing you are properly insured. Consider the following:

Cover type - there are three options to choose from; third party only, third party, fire & theft and fully comprehensive. Each will provide different levels of protection so it is important to choose the right one.

Policy features - before committing to buy it's essential to look past the price and ensure the policy offers all the features you need. If features such as a courtesy car or protected no claims are important to you make sure your policy includes them.

Optional extras - adding features such as breakdown cover and legal cover will provide additional protection but at an increased cost. Decide whether or not you need each of these before you buy.
How To Find Cheap Car Insurance For New Drivers

One of the easiest ways to find low cost cover is to use moneysupermarket.com to compare new driver car insurance quotes from dozens of companies to find the best prices available. Other steps you can take include:

* Driving a car with a smaller engine as these are generally cheaper to insure.
* Agreeing with your insurer to limit your mileage and improving security by parking safely and fitting an alarm/immobiliser system if you vehicle doesn't have one.
* Building up and protecting your no claims bonus to make finding cheaper insurance easier in the future.

Check out our money saving tips for more ways to save when buying car insurance for a new driver.

Box Truck or Straight Truck Insurance

Whether you’re a courier with a small box truck or an expediter with a sleeper box, Progressive offers box truck and straight truck insurance solutions to protect you when you’re on the road. For over 30 years we have offered affordable box truck insurance for many different types of trucks and can provide protection whether you’re a private carrier or a for-hire trucker.

Businesses Requiring Box Truck Insurance

There are many types of business that haul goods that require box truck or straight truck insurance. The most common types of businesses we insure that require box truck insurance include:

• Couriers
• Expeditors
• Retail operations
• Household goods movers
• And more

Typical Box Truck Insurance Coverages

Depending on whether you own your own box truck and carry your own goods or you’re a for-hire trucker, you may require different types of box truck insurance coverage options. If you’re a private carrier, you may need to purchase basic box truck insurance coverages like Liability insurance that can cover injuries or damage to people or property if you’re at fault in an accident. We also provide Physical Damage Coverage that protects your vehicle if it is damaged in an accident.

If you’re a for-hire trucker and your Primary Liability insurance is provided by your motor carrier, you may only need to purchase certain types of box truck insurance coverages including Motor Truck Cargo insurance to protect the goods you’re hauling or Non-Trucking Liability insurance to protect your truck when you aren’t under dispatch.

Types of Box Trucks or Straight Trucks

Box trucks often go by different names depending on the type of cargo being hauled or how the box truck is being used. We insure the following types of box trucks:

• Cargo cutaway
• Ice box
• Moving truck
• Reefer truck
• Sleeper box
• Tilt cab
• And more