Your driving record is a summary of your life on the road. It's also a mathematically accurate predictor of your general risk profile — meaning, what's happened in the past is a good predictor of the future. Which is why your driving record has a direct effect on your premiums.
If you have a few accidents on your record, your higher risk-profile will likely mean higher premiums. But you also have the power to change your risk category: Changing your driving habits and behavior on the road — or taking a special driving course or two — can help clean up your record, and ultimately bring down your premiums.
Bottom line, when we're evaluating a customer's risk profile, we take many things into careful consideration. We also realize that nobody's perfect. We're committed to providing all our customers with the lowest rates they can qualify for.