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How Drivers Points Will Affect Your Car Insurance Premium
Karen Gaylard
Car insurance is all about risk. Insurance providers calculate how big a risk you are to them to insure and your insurance premium will be calculated accordingly.
There are many factors that influence your risk that you can read about anywhere and everywhere, your age, gender, driving history, where you live, where you park, etc. One factor that isn't mentioned very often is the effect that driving offences will have on your insurance premium.
If you have had a number of driving points deducted from your driver's license then you are obviously more of a risk to your insurance provider and your premium price will reflect that. You could face an even bigger increase in policy prices if you have been convicted of a driving offence, whether it was drink driving or speeding (within the last 5 years), but there are many factors to consider when taking out a car insurance policy.
Not all insurers will put as much emphasis on speeding offences as risks, seeing as more than 2 million of us get fined every year. These companies tend to focus more on where your car is parked at night, the age and gender of the driver, but a drunken driving charge will be frowned upon by most car insurance providers.
The best thing to do is to shop around, get a variety of quotes from different suppliers and determine which car insurance policy is best suited for you and your needs. If you do have blemishes on your driving history all you can do is to try and rectify your mistakes by abiding by the law and driving responsibly and you could be rewarded sooner than you think!
Visit http://www.comparethemarket.com for more information on cheap car insurance.
Article submitted Monday, October 13, 2008
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