Your driving history plays a significant role in determining your car insurance premium. Here’s how previous claims and convictions can affect your costs:
Claims:
If you have a history of making claims, insurers may view you as a higher risk, leading to increased premiums. However, maintaining a no-claims bonus can help offset this and reduce your premium.
Convictions:
Traffic convictions, such as speeding or driving under the influence, can significantly impact your premium. Some insurers may even refuse to cover drivers with certain convictions. To reduce the impact of convictions, consider attending a driving course, maintaining a clean record moving forward, and shopping around for an insurer that specializes in high-risk drivers.
Being aware of the impact of your driving history on your premium can motivate you to drive more safely and responsibly, ultimately leading to lower insurance costs.
