Rating Factor Two, When Comparing Your Car Insurance Policy to Someone Else’s
What is your friend’s driving record like?
It is possible that he/she has been given a lower rate as a reward due to good driving. Even receiving just one traffic violation ticket will cause a driver’s insurance rate to go up, and causing an accident will cause an even higher rate. Perhaps his/her record has fewer errors than your record. How many tickets and accidents have you had in the past three years? A spotless (or close to it) driving history indicates to the insurer the driver is a safe one and has a low risk of ever needing to file a claim. The insurer will give this safe driver a cheaper insurance rate.