Definition of "Safe driver plan"

James F. Rodgers real estate agent
James F. Rodgers, Real Estate Agent eXp Realty, LLC

Procedure for offering reduced auto insurance rates to drivers with good records, and imposing higher rates on bad drivers. Typically, premiums are weighted under a system that assigns points for traffic violations and accidents. The more points awarded during a certain rating period, the higher the premium. Most plans consider violations only during the past two or three years, giving bad drivers who improve their records a chance to reduce their premiums.

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