Protecting the property value of your home, cars, and personal items is just part of the equation in pricing insurance. Other items such as past claims, credit score or your driving record can influence the price or even a declination. It’s understandable to most why you need to check out your driving record for traffic tickets and DUIs. The ACLU is not going to come to your defense because your driving record was reviewed. Traffic ticket history generally lasts five years, so eventually your tickets and accidents begin to fall off with good behavior. In many states a basic traffic infraction can be taken care of by taking an online course and paying the ticket, but that doesn’t erase it from your record. If you feel you need to expunge your record, you’ll need to take the time to go to court and elect the traffic course as your civic option and your record will be clean. After all, if you have a lead foot or you’re constantly driving while intoxicated, your risk to the insurance company is significant. But most people are surprised to learn that insurance companies are looking at your credit worthiness. It’s not a hard credit   Read more…