Obviously, your driving record has a heck of a lot to do with your car insurance rates. It is likewise obvious that if your driving history is poor, you are going to pay more. Accidents make your rates go up, of course. What really kills you in the rates department are violations: reckless driving, DUI, DWI, speeding tickets, and other such moving violations. It can stay on your for years, and you will pay out the nose the whole time. Driving safely means more than keeping yourself and other drivers safe, it actually does pay to do it.
There are some surprising factors, too. For instance, if you are married, you are more likely to pay less for car insurance. Plus, the higher your education, the lower your rates — so stay in school, kids!

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