Auto insurance policy is the most important requirement of every car owner in the country. There are countless auto insurance providers and they offer rates based on different parameters. Some of the factors that are taken into consideration include your deductibles, driving record, coverage, sex, age, mileage, recent claim history, and residence and many more. Some of the states use the point system to keep a note of the violations and the traffic accidents of every licensed driver. When a driver is given a ticket for careless driving, speeding, jumping traffic it has a negative impact on the driving record of the driver. However it is only the moving violations that are fined and not the non-moving violations.

When you go to purchase an auto insurance policy, the insurance company will review the driving record. If the record contains many such points you will be classified as a high risk driver. A high risk driver means there are more chances of accidents and a claim. This will in turn result in high insurance costs.

The duration for which the violation affects the insurance costs varies from one company to another. The driving record is reviewed at the time of the renewal of the policy as well. So if you have been violating traffic rules you will in all probability attract high insurance rates. So what are the steps that you can take to bring down the insurance rates?

The best way to please the insurance company is to join a driving school and learn defensive driving skills. Apart from picking up valuable driving tips you will also get a certificate that will assure your providers that you would drive responsibly henceforth.

Comparison shopping is one of the best ways to get affordable rates. When you compare the rates of the insurance companies you can know the best rates that are on offer and select the same. It is always best to have a look at what other companies have on offer rather than selecting from one or two options. As there are countless auto insurance companies in the market there is intense competition amongst them to get business from you. This brings the best rates from which you can select. However it is also important that the company has a good reputation in settling claims. It is important you ascertain that apart from offering cheap rates the provider is also good at paying off the claim money.

A higher deductible is also another way to lower your insurance rates. However the most important thing to be kept in mind is that you will have to be in the good books of the providers by maintaining a clean driving record.