High Risk Drivers

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There are a lot of reasons why you should try to be a good driver. It's safer for you and any passengers who are in the car with you, for one thing, and it's also more considerate to the other drivers on the road. But did you know that being a safe driver could save you on your car insurance premiums as well?

Your Driving Record

Your driving record says a lot about you, like whether you're likely to obey traffic laws or not. Drivers who have lots of moving violations and traffic tickets show more of a disregard for expected rules of the road, and that means they're putting themselves and other drivers at risk.

Insurance premiums are all based on one main factor: risk. A higher risk means they end up paying more money, and you'll end up paying …show more content…

• Grades: If you're a student, your grades matter more than just for passing your classes. Insurance companies look at your grade point average to determine whether or not you have a responsible personality. Students who regularly get good grades are assumed to be the same type of personality as those who regularly obey traffic rules. This is especially important for lowering car insurance rates in the highest risk group of young drivers between the ages of 16 and 25.

• Credit: Your credit score says a lot about you, especially when it comes to your level of responsibility. Much like getting good grades, there aren't many reckless drivers who are also responsible enough to be paying their bills on time and in full. A higher credit score translates into lower car insurance quotes.

• Location: Where you live also affects your car insurance quotes. Do you life in a high crime area, or out in the safer suburbs? Even where you work can affect your risk factor in the eyes of your insurance company, so be sure to take all the necessary

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