Does my driving experience play a part to determine my monthly premium payable for auto insurance?

[Kross]

When it comes to insurance premiums, many factors are used to determine it. I want to know if driving experience is one of the factors that is used to determine how much premium one has to pay when he or she buys an auto insurance. Would a more experienced driver pay a lower premium?

 

[Fidelia]

I believe it is one of the factors that can help determine the exact you pay as premium. An experienced driver won't definitely pay the same premium as a learner driver vv

 

[Trush Jodie]

The driving history, patterns and experience of a person are very important variables to determine premiums for the person to pay for auto insurance.

 

[kit_hung]

Yes. Driving experience is one of the factors considered when determining the amount of car insurance. More experienced drivers are considered to have a lower risk of causing accidents, so they tend to pay less for insurance.

Insurance companies look at things like age, accident history, and how long a person has been driving. If you have been driving for many years without problems, that is a good sign. But also, even experienced drivers who make a lot of mistakes can pay more.

So it is good to drive carefully and build a good record. This helps to reduce insurance costs in the long run. I believe discipline on the road pays off.