How Long Are You Considered A Bad Driver?

January 10th, 2011
Road Rage

When you are involved in an accident or have negative reports on your driving record it is likely you are paying more for your insurance rates.  Insurance providers have the ability to charge you higher rates for your policy depending on your past driving history and the possibility you will be involved in a future accident. All insurance companies are based around the concept of risk management. They base their client’s rates on the possibility of future risk involvement. Someone with a more extensive driving history is more likely to be involved in another accident than someone with a clear driving record, according to insurance providers.

If you are involved in an accident, insurance providers are likely to increase your rates 25% or more.  So, how long does an accident stay on your insurance record?  The length an accident or driving violation stays on your record varies from state to state. Each insurance company sets a standard of what they consider a good driver. Typically, accidents remain on your driving record for 3-5 years. Insurance providers will consider you a good driver is you have remained accident free for 2 years, but accidents as far back as 5 years may be a factor in determining your rates.  Accidents where you are found at-fault are most likely to remain on your record the longest and are going to rise your rates the most. If you involved in an accident due to an animal or natural cause, your insurance rates are much less likely to increase if at all.

If you are the at-fault driver, your insurance provider is likely to increase your rates for up to three years, if you remain a good driver for the three years, you insurance provider may decrease your rates.  Some insurance providers have various policies and discounts such as accident forgiveness. If you typically have a good driving record and have no past accidents, your insurance provider may “forgive” you and not let your first accident affect your rates.

Insurance providers commonly punish drivers for an accident by raising their rates significantly and than tend to keep the rates at the high price thereafter. If you were involved in an accident 5 years of more ago, you should not be paying the same high rates you were directly after the accident. Check your driving records with your local DMV and than contact your insurance providers for safe driving discounts.  If you feel like you are overpaying for car insurance visit and get quotes on your vehicle based on your current driving history.

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