Don’t Drive Recklessly or Carelessly

Your driving record is a primary factor in determining how much you pay for your car insurance policy. There are other factors, like your age, where you live and the type of car you drive but they may not be within your control to change. You are, however, in charge of your driving record.

Accidents and driving violations can remain on your record for three years or longer, which can impact your premiums for a long time. The moral of that little story is: don’t speed, don’t use drugs or alcohol and drive, don’t text or talk on the phone, and don’t do anything else that can endanger you or others on the road.

Once you have a bad record, you may need to look to alternative means to get your premiums down to more sustainable levels. A South Carolina accredited driver-training course might be one option. Drivers who gain accreditation via these courses can be eligible for discounts, which might offset some of your premium costs. You might need to consider downgrading the model car you drive too, as your current vehicle might be one that is more costly to insure.

At the end of the day, all you can do is turn over a new leaf and wait out the impact your bad habits have had on your insurance status. Rebuild your driving record and speak to your car insurance agent about re-evaluating your status.

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