What Points Mean for Your Auto Insurance in Glendale, AZ

When you’re involved in an accident or get ticketed for a traffic violation, you may have something called “insurance points” added to your record. These points influence your premiums for auto insurance in Glendale, AZ, and can affect your life in other ways. Here’s what you should know.

Driver’s License Points and Insurance Points Are Not the Same

While there is a lot of crossover between driver’s license points and insurance points, they are handled differently and have different consequences. Driver’s license points are distributed at the police officer’s discretion when they determine whether to ticket you. If you accumulate too many, your license may be suspended.

However, insurance points are distributed by your provider, and if someone files a claim against you, you may receive them even if the police didn’t ticket you. Too many points will drive up your car insurance premiums, and you may even lose your coverage.

You Can Remove Points
Depending on your circumstances, you may be able to remove insurance points by attending traffic school. Even if that is not the case, the points will eventually drop off your record if you wait – assuming you practice safe driving in the meantime. Talk to your provider if you have any questions about your car insurance points.