How does your driving record affect your rates for term life Insurance

Yes, Your Driving Record Can Affect Your Rates for Term Life Insurance
People are often surprised to hear that their driving record influences the rate which they can expect to pay for life insurance. It goes without saying that if you have several speeding tickets or other driving infractions under your belt that it’s going to affect the amount of money you pay for car insurance. The thing is, both your driving insurance rates and your term life insurance rates have death in common.
Because driving-related deaths account for such a large percentage of the fatalities recorded in the United States each year, insurance companies take this into consideration when pricing their policies. If you, for instance, have never had a speeding ticket or so much as rolled through a stop sign (and got caught for doing so), you’re going to get a better term life insurance rate than someone who has a lead foot and a tendency to drive through red lights.
Your driving record comes into play just as your medical history would. With that being said, if you make an effort to improve your driving record over the years, your insurance rates will drop, just as they would if you were to quit smoking. This means that insurance companies pay particular attention to your recent driving history. So, while they may not care about the two speeding tickets you received 20 years ago, they would be more concerned and your rates would reflect it if you were to receive two tickets in the last 6 months to 3 years.
When looking for term life insurance, don’t forget that your driving history will undoubtedly be something the insurance providers want to know. Be honest and as thorough as possible when giving the company these details. While a poor driving record may not mean you’re rejected for term life insurance altogether, it will mean you’re going to pay more for the same coverage.

If you have a DUI or reckless operation on your driving record you can forget about preferred plus and preferred rates. You will be standard risk at best. Go ahead and round quotes below at the standard rate class to see what the rates will be close to.