How Does Driving Record Affect Life Insurance? 
That is a great question ! You are aware that insurance companies are all about risk , right ? The lesser the risk , the cheaper the policy , as a rule . The more risk , the harder it is to be insured . Reckless driving is definitely a good way to put yourself and everyone else on the road at risk . Just about every insurer will ask if you 've had issues with your driving record , to help assess your riskiness . If you 've had some issues , expect a higher priced , rated , or denied policy . I hope that helps , thanks for asking ! 