How Driving Experience Affects Your Car Insurance

Why does driving experience matter to car insurers?

If you are going through the process of getting auto insurance, then your insurer will ask you various questions about your personal factors.  One of the things they will question you about is your driving experience.  But why is this important and does your experience (or lack thereof) affect your insurance rates?  Here’s what you need to know.

  • Inexperienced Drivers

Auto insurers assume that the more driving experience you have, the less likely you are to get into a car crash.  Unfortunately, this means that inexperienced drivers are considered higher risk to insure.  Even if they have never been in an accident before, inexperienced drivers are more likely to be charged more for their auto insurance as compared to a driver with a long history of safe driving.

  • The Importance of Having an Insurance History

Even if you are no longer considered an inexperienced driver, you can still end up paying high rates for your auto insurance if you do not have a consistent insurance history.  For instance, if you been driving for 35 years but have not consistently maintained your car coverage, then you will be considered a risky driver.  Because auto insurers rely heavily on your claims history to determine what kind of driver you are, the absence of an insurance history will automatically make your insurer wary.  To protect themselves, they will charge you more for coverage—sometimes as much as a brand-new driver.

This is why your driving experience matters to auto insurers.  Do you have more questions about how your car insurance rate is determined?  If so, then contact the experts at Pierce Insurance Group.  Our dedicated team is eager to assist you with all your car coverage needs today.