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How Driving Experience Affects Car Insurance Premiums

Can your driving experience change your car insurance rates?

When you go to secure auto insurance, the insurance provider will look at various factors to determine your rates.  One of the things they will look at is your driving experience.  But how does driving experience (or lack thereof) affect your premiums?  Here’s what you need to know.

  • Driving Experience

Auto insurers assume that the more driving experience you have, the less likely you are to get into a car crash.  Unfortunately, this means that inexperienced drivers are considered a higher risk to insure.  Even if they have never been in an accident before, inexperienced drivers are more likely to be charged more for their auto insurance as compared to a driver with a long history of safe driving.

  • The Importance of Having an Insurance History

Even if you are no longer considered an inexperienced driver, you can still end up paying high rates for your auto insurance if you do not have a consistent insurance history.  For instance, if you have been driving for 15 years but have failed to maintain consistent auto coverage during this time, then you will be considered a risky driver.  Because auto insurers rely heavily on your claims history to determine what kind of driver you are, the absence of an insurance history will automatically make your insurer wary.  To protect themselves, they will charge you more for coverage—sometimes as much as a brand new driver.

This is how driving experience affects your auto insurance rates.  Looking to secure the right auto insurance to meet your needs and your budget?  If so, then contact the experts at Scautub Agency in Scotia, New York.  We are ready to get you the coverage that you need today.

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