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Who is looking at my driving record and how are they determining my points for insurance?

In most cases, with CarInsurance.com no one is looking at your driving record. An automatic process occurs where the computer processes information it receives from independent sources and/ or the state's systems to provide your driving record and/ or claim information. Each company has their own point values that are assigned for each type of violation or claim.

Simply, most minor violations count as two (2) insurance points, major violations count as three (3) insurance points and serious infractions such as driving under the influence (DUI) may count as high as six (6) insurance points. This is all relative, because there are many factors that go into generating your rate; the process and algorithm is different for each company.

These items can affect your rate:

  1. Age
  2. Gender
  3. Marital Status
  4. Geography
  5. Driving violations (points generate a factor that is 'weighted' against all these items)
  6. Vehicle
  7. Claims
  8. Credit Rating
  9. Occupation
  10. Miles driven per year
  11. Distance to work
  12. Occupation
  13. Previous insurance limits
  14. Driving Experience
  15. Business use of the vehicle
  16. Whether or not you currently have auto insurance
  17. Theft protection devices (often results in discounts)
  18. Multiple cars and drivers (another opportunity for discounts)
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This car insurance answer was last updated 2:33 PM Apr-19.
This quoting question was asked 1:21 PM Apr-19-2005.
Glen requested this car insurance help from CarInsurance.com experts.
Rated 9 out of 10 based on 5 votes.
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