Why Your Driving Record Matters
If you’ve noticed a rate increase after a speeding ticket or a minor accident, you’re not alone. Your driving history is one of the biggest factors that determines how much you pay for auto insurance in Alabama and Georgia.
At AL-GA Insurance, we help local drivers find affordable coverage that fits their record — whether spotless or a little bumpy.
How Long Tickets and Accidents Affect Your Rates
Not all insurance companies weigh your driving record the same way. Some carriers only review the past 3 to 5 years, while others may look back 7 years. That means a ticket from years ago might no longer matter for one insurer — but could still count against you with another.
You can check your Alabama record via ALEA’s official Driver Records & Crash Reports page to see what’s currently recorded.
For Georgia drivers, the DDS MVR / Driving History page explains how to request a 3- or 7-year driving history.
Why Safe Driving Saves You Money
A clean driving record can save you hundreds every year through:
- Accident-free discounts
- Safe driver rewards
- Lower deductibles
- Bundled savings on multiple policies
Learn how to bundle your home and auto insurance to take advantage of even more savings.
Rebuilding After Tickets or Accidents
If you’ve had past tickets or wrecks, don’t worry — rates can and do improve with time. Here’s how to help your profile bounce back:
- Drive safely and avoid new violations.
- Shop around every 6–12 months.
- Look for accident forgiveness programs.
- Bundle policies for multi-line discounts.
Get a Personalized Quote
Whether you’re in Valley, AL or Columbus, GA, AL-GA Insurance is here to help you save. Call 334-578-ALGA (2542) or get a free quote online to see how your driving record affects your rate today.
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