How does my driving history affects my car insurance premiums?

You may get the driving points on how you drive, i.e. if you drive with more violation, the higher points you have and you may face suspension or penalty and if your driving is good then you have low points then you might be given a lower premium rate.
Consumers that have a DUI (driving under the influence) on their driving records may expect their car insurance rates to increase . In some cases insurance premiums are doubled due to a DUI offence.
Speeding and careless driving may also influence car insurance rates. Thus consumer is required to maintain an excellent driving record.
People who have a good driving record may expect reduced deductibles.