There are certain things that do affect the overall cost of your auto insurance policy, and one of them is your driving record. For those in the Woodstock, GA area, the agents with Peter Lackzo Insurance Inc. may be able to help explain.
The main concern that most people have in regards to their driving record is how it is going to affect their monthly insurance premiums. In most cases, one accident is not going to drive up the price of your monthly policy to the point that you cannot pay for it. If however, you have a driving record with multiple accidents, some of which are bad accidents, your premiums will be negatively affected. You may get discounts for being a safe driver as well.
Similarly, if you have moving infractions, your policy is also going to cost more than if you have a clean and safe driving record. In most cases, your insurance agent only requires that you report accidents and infractions within a specific period. This means that if you had an accident ten years ago, it is very unlikely to affect the overall cost of your premiums. Likewise, if you have an infraction that caused you to get dropped from another company, your premiums are going to be much higher.
It is important that you be truthful and thorough when reporting any accidents that you may have had as most insurance agencies are going to do a check to see what infractions are on your record when you sign up for a policy. If you live in the Woodstock, GA area, the agents with Peter Laczko Insurance Inc. can help you to find the policy that is going to work for you. They can also help you to find any discounts that might help you to counter your driving record.
