Nearest broker: Searching for a broker nearby…
Nearest broker: 2607 Ellwood Dr SW, Edmonton, AB, T6X 0P7 Phone: 780-732-8616 10060 Jasper Ave, Edmonton, AB, T5J 3R8 Phone: 780-435-3632 , Calgary, AB Phone: 403-532-4882 322 Avenue C S, Saskatoon, SK, S7M 1N4 Phone: 639-398-4170 10325 Bonaventure Dr SE, Calgary, AB, T2J 7E4 Phone: 403-695-1050 5317 50 Ave, Taber, AB, T1G 1V3 Phone: 403-223-2377 110a McLeod Ave, Spruce Grove, AB, T7X 2H8 Phone: 780-571-1144 496 Marquis Rd, Prince Albert, SK, S6V 8B3 Phone: 306-970-8080 335 Hwy Avenue N, Picture Butte, AB, T0K 1V0 Phone: 403-732-6023 103-5020 Lac St Anne Trail S, Onoway, AB, T0E 1V0 Phone: 780-967-2282 2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 Phone: 403-487-5132 550 Wt Hill Blvd S, Lethbridge, AB, T1J 4Z8 Phone: 403-394-1123 734 13 St N, Lethbridge, AB, T1H 2T1 Phone: 403-328-9114 5 St SE, High River, AB Phone: 403-652-4104 9901 103 St, Fort Saskatchewan, AB, T8L 2C8 Phone: 780-998-0881 , Edson, AB, T7E 1T6 Phone: 780-440-0075 16612 109 Ave NW, Edmonton, AB, T5P 1C2 Phone: 780-486-4488 201-4271 23 Ave NW, Edmonton, AB, T6L 5Z8 Phone: 780-466-2136 3908 97 St NW, Edmonton, AB, T6E 6N2 Phone: 780-465-6900 8170 50 St NW, Edmonton, AB, T6B 1E6 Phone: 780-469-9378 52 Ave, Drayton Valley, AB Phone: 780-621-1707 264 Midpark Way SE, Calgary, AB, T2X 1J6 Phone: 403-251-2926 1331 Macleod Trail SE, Calgary, AB, T2G 0K3 Phone: 403-278-1050 1331 Macleod Trail SE, Calgary, AB, T2G 1E1 Phone: 403-255-2252 234-7 Westwinds Crescent NE, Calgary, AB, T3J 5H2 Phone: 403-775-2100 , Calgary, AB, T3K 0S8 Phone: 403-719-9995 4632 70 St NW, Calgary, AB, T3B 2K6 Phone: 403-247-6435 5114 2 St, Boyle, AB, T0A 0M0 Phone: 780-689-3946 50 Ave, Bonnyville, AB Phone: 780-826-3147 12931 20 Ave, , AB, T0K 0E0 Phone: 403-562-2191 2903 Kingsview Blvd SE, Airdrie, AB, T4A 0C4 Phone: 403-945-8885

Why does driving history matter for my car insurance?

Auto Insurance

By Joanne Lemna | October 18, 2016

Insurance is about risk management. You pay for car insurance just in case you are in an accident or something happens to your vehicle. Your insurance company provides the insurance policy based on an assessment of the risks. This assessment includes analyzing a number of factors including your driving history. Insurance providers know that past behaviour is usually a good predictor of future performance. By analyzing your past driving history they can assess and predict how likely it is you’ll file a future claim and this has an impact on your current car insurance rates.

Rewards for less risk

Your driving history is one of the primary factors that decide whether or not you even qualify for coverage from a particular insurance company. It also has a strong influence on how much you need to pay for that insurance.

Insurance companies know that drivers who have not had an accident in the past six years are statistically less likely to be involved in a collision in the future than drivers who have had one or more collisions in the past. If there is less of a risk of a future claim the insurance provider will reward you with lower rates.

Violations are a factor

Accidents aren’t the only factor that determines your annual premiums. Another aspect of your driving history that insurance providers consider is the number of traffic violations you’ve had over the past three years. Drivers who have had a number of traffic violations are a greater statistical risk to be involved in a collision and file a claim. That means if you have moving violations or speeding tickets you’ll be assessed at higher rates than drivers with a clean record.

What if I can’t remember?

For many drivers however remembering whether or not they got a speeding ticket or other violations in the last three years is tough. Life is busy and not everyone can remember those details. So when asked they’ll tell their independent insurance broker they have a clean driving history. Problem is your broker can’t issue a new policy without first verifying the information you’ve provided. In Canada brokers and insurance companies use the AutoPlus system to track auto insurance claims. The database has access to more than 30 million claims over the past 15 years and by checking a driver’s license or policy number the insurance provider can establish your claims history and your level of risk for insurance purposes.

For this reason it’s not a good idea to hide past traffic tickets or insurance claims from your insurance broker. They’ll have to check this information anyway and if you end up omitting vital information you could actually be denied insurance coverage. Once you’re denied coverage it becomes much more difficult to get adequate insurance from a different company.

Get the right coverage with the right information

If you have questions call your independent insurance broker. By asking questions and expressing your concerns your broker can help you find cost-effective coverage.

Get A Quote From A-WIN

Get the best insurance deals and stay on budget.

Get A Quote

Life Events - It's Time to Reassess Your Insurance

Whether it’s heading off to university or deciding to start your own business,...

Download