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.