This is because these records help insurance companies in evaluating the kind of risk that you pose to the company.
In fact, insurance companies consider drivers that have been involved in many accidents and who have earned numerous traffic violation tickets or who have claimed insurance to be high risk customers.
Therefore, the insurance company will ask such people to pay a higher insurance rate.
Another way of looking at what affect car insurance rates is by looking at demographic issues.
This means that a persons age can sway the insurance company into either offering cheaper or higher insurance plans.
Certainly, people that are not over 25 years of age will be considered high risk prospects and so they will be asked to pay higher insurance rates.
However, people that are older will be considered to be less risky and so will be charged lower rates.
But, even among older people, those who are 65 or older are considered high risk customers and they too must pay more for their car insurance.
Gender is another demographic issue that the insurance company takes into account when quoting you their rates and the same goes for factors such as geographic location and marital status.
Married women are considered low risk customers and so they get cheaper rates from the insurance companies while teenage boys are considered high risk propositions and they will need to pay more to get their vehicles insured.
People that live in low crime areas will get more affordable insurance plans while those who live in areas where crime is rampant will have to pay more.
Your car is also a major factor that affects your car insurance rates.
If it is safe to drive and if it has safety devices then the insurance company will charge more reasonable rates while a car that is sporty and likely to be easily damaged will invite a higher rate of insurance.
There are also some minor factors that are worth knowing about when checking what affects car insurance rates.
These include your credit ratings as well as your occupation, miles driven per year and the distance to your office (workplace) as well as years of experience as a driver.
In addition, factors such as having had an insurance lapse too are considered by insurance companies at the time of quoting you their car insurance rates.
The good news is that most insurance companies also offer discounts that you can take advantage of.
These discounts are given to those whose cars are equipped with anti theft devices and also to those with anti lock brakes.
Discounts are also given to those who insure multiple cars with a single insurer and even students with good grades can take advantage of discounts.
By taking into account all these factors it is possible to get maximum coverage at more affordable costs.
So, it pays to find out more about what affects car insurance rates.