Did you know that insurance providers use your driving record to calculate your auto insurance premiums? Being an aggressive, reckless, and unlucky driver In Amarillo, TX can cost you more than you can imagine. No company wants to ensure a driver who is always filing claims. West Texas Insurance Agency is all about helping you stay safe on the roads. That is why it will cost you more for having a poor driving record.

My driving record and my insurance policy, how are they connected? 

How does your insurance company know that you slipped in the first place? Auto insurance companies are thorough enough to check how you have been behaving on the roads. Therefore, any car infraction you are involved in is tagged to your driving record by the government. The more the violations, the more tarnished your driving record becomes. However, not all violations are included. Simple violations like busted taillights, parking tickets, or failure to update insurance paperwork only come with fines.

What factors affect my driving record?

There are many factors that can affect your driving record—some being more detrimental than others. Additionally, insurance companies in Amarillo, TX have different policies for specific driving record tarnishes and may focus on particular factors. Some of these factors include:

• DUIs
• Accidents
• Tailgating
• Speeding tickets
• Overdue bills or late payments
• Getting a traffic ticket in a construction or school zone
• Too many insurance claims

It is almost impossible to determine how much your insurance company can raise. Some violations can be forgiven while others may not. For instance, if it is your first time to get a speeding ticket, and it is the only violation in your record, your insurance company may forgive and keep the rates intact. If you have more than two violations, your insurance premiums will obviously go up.

Safe driving means owning a clean record. At West Texas Insurance Agency, we care about your safety and the safety of other road users. Feel free to contact us with questions about auto insurance.