No, your driving record does not directly impact your deductible, but it does have an impact on what you pay for auto insurance coverage. You’re free to choose your deductible when you purchase a policy, but it should be an amount you can comfortably afford to pay should you need to file a claim. That said, you should consider your driving record when selecting this amount. Generally speaking, if you have a relatively clean driving record, a lower deductible might be ideal, even if you pay more out-of-pocket each month. Remember, your premiums will be lower in this case than someone with a poor driving record. So, you could still keep more of your hard-earned money in your pocket for opting for a lower deductible and paying slightly more in premiums in the event you have to file a claim.