My name is Susan Combs and I'm an insurance broker for Combs & Company. Today, we're going to talk about why your insurance rates increase due to points on your license. So, when you're looking at auto insurance, there are many factors that they take a look at. So, they look at your age, they look at you know, the place that you're living in, they look your vehicle. Because different vehicles are rated differently, if you have you know, say, a Chevy Nova versus you know, a Ferrari, your rates are going to be much higher for the Ferrari. But the other thing that they look at is, your driving record and the points in your license. So that in essence is kind of your driver's you know, DNA. Because if you have several points, then they're going to look at you as being a bad risk. So, if they look at you as a bad risk, then they're going to either not even offer you coverage or they're going to offer you coverage in a much higher rate. Because chances are, if you have this driving record that shows that you have the propensity to be a reckless driver or to get numerous tickets. Then, they know that you're more likely to get into an accident and they're more likely to have to pay out of claim on your behalf. So, the best thing to do, is to try to get those points down as much as possible. You might look at taking a defensive driver's course and things like that, that'll actually help you out. I mean, work with a broker that knows auto insurance inside and out and might have a better carrier that has a little bit more flexibility, if you have numerous points in your license.
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