Your driving record is the first thing insurance companies will look at when determining your rate. Therefore, a clean driving record is the best way to get the lowest rates on car insurance. There are several things you can do to improve your Ohio driving record. Building a good driving record, however, isn't something you can do overnight. A good driving record is built over time as you learn to drive defensively and avoid unnecessary risks.
The most common reason insurance companies will impose high rates is too many accidents on your record. While some accidents are unavoidable, there are many things you can do to decrease your chances of getting into an accident. Defensive driving is key. The state of Ohio offers many online defensive driving classes. If you do a search for "Ohio defensive driving," you will be able to find a course that fits your needs. Driving poses many risks; defensive driving courses aim to reduce those risks by teaching drivers to anticipate dangerous situations and act to prevent them from happening. The idea is that the best way to avoid accidents is to react to the situation, rather than focus on who is "in the wrong" or who is "in the right." For example, if someone starts to proceed through the intersection at a four-way stop sign when it is technically your turn to go, you should stop and let the other car proceed. Even though the other driver was "in the wrong," by letting him or her proceed, you may have avoided an accident.
Play It Safe
Avoiding unnecessary risks is also a good way to avoid accidents. If the road conditions are hazardous, such as during a rain or snow storm, and you don't need to drive, stay home. Also, never race or perform stunts with your car on the road. Leave these risky behaviors to professional drivers.
Too many traffic tickets will also tarnish a driving record. In the state of Ohio, your license will be suspended if you receive too many traffic tickets. A suspended license will also look bad on your driving record. To avoid these violations, always drive at or below the posted speed limit. If you do get a speeding ticket, you may be able to get the ticket taken off your record by attending Ohio traffic school and/or paying a fine. Avoid parking illegally by always being aware of the parking restrictions where you leave your car. If you do get a parking ticket, pay it right away.
Keep Your Credit Clean
A good credit score will not help your Ohio driving record, but it may help you get good rates on your car insurance. Paying your bills on time will show insurance companies that you are a responsible person, even if your driving record isn't squeaky clean.
Acting responsibly and driving safely are the best ways to improve your Ohio driving record. This may take some time, but it will be well worth it when you receive low car insurance rates. You will also save money on traffic tickets and may hopefully avoid all of the dangers associated with car accidents.