How the Demerit Point System Affects Car Insurance Rates

Schedule Brake Pad Replacement
Service Area

$124.62 - $450.29

Price range for all vehicles
Average rating from 10,770 customers who received a Brake Pads Replacement.

The point system in traffic parlance refers to the assignment of "points" or values to each infraction you incur. Car insurance companies evaluate the points instead of each infraction when they calculate insurance rates. The insurance companies therefore have a system that may or may not be the same as your state DMV's points system.

Since car insurance companies have their own methods for calculating your rates after you've had accidents and violations, not every company will penalize you the same. If you've recently seen your rate increase after an accident or violation, you can still compare car insurance quotes for a cheaper rate.

Every traffic infraction for which you’re found “guilty” – such as at-fault accidents or driving under the influence – can be assigned a certain point value if your state has a point system in place. Some tickets, such as a parking ticket, typically do not have points associated with them.

For example, a company may use this type of system:

How Demerit Points are Assigned
Description Points:
First Occurence
Points: Second Occurence Points:
Each Additional Occurence
At-Fault Crash 2 2 2
Not-At-Fault Crash 0 0 0
Driving Under the Influence 1 2 2
No-Charge Violation 0 0 0
Major Violation 4 4 4
Minor Violation 2 1 1
Speeding 2 2 2

Some companies’ rating algorithms are complicated, and some are simple. Most of the algorithms used try to put an insurance point value on each infraction or ticket (regardless of the state driving record point system). Based upon that point value, a different rating factor is use to either raise or lower the rate.

The more points you have on your driving record, the worse your record looks to a car insurance company. But because each car insurer has its own method of evaluating applicants, the points on your driving record will impact the rates you pay for insurance differently. However, it's safe to assume that the more points you have, the more you'll pay.

This article is adapted with approval from carinsurance.com: http://www.carinsurance.com/how-do-points-affect-insurance-rates.aspx


Next Step

Schedule Brake Pad Replacement

The most popular service booked by readers of this article is Brake Pad Replacement. Yourmechanic’s technicians bring the dealership to you by performing this job at your home or office 7 days a week between 7AM-9PM. We currently cover over 10k cities and have 100k+ 5-star reviews... LEARN MORE

SEE PRICING & SCHEDULING

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details

Recent Brake Pad Replacement reviews

Excellent Rating


YourMechanic Brake Pad Replacement Service

Average Rating

4.9/5

Number of Reviews

10,770

Rating Summary
10,265
323
67
33
82
10,265
323
67
33
82

Arturo

25 years of experience
42 reviews
Arturo
25 years of experience
Volkswagen Tiguan - Brake Pads Replacement (Rear) - La Jolla, California
Arturo was efficient and extremely professional. I'll refer him to friends and family and call him for any issues related to my car. I am very happy with the service!
Kia Forte - Brake Pads Replacement (Front) - San Diego, California
ARTURO is great! very professional , fast, replaced my front brake pads and oil an filter change. everything now works and works well. Brakes have much improved stopping power and engine is smooth and quiet.Arturo is also kind and thoughtful. "Your mechanic" is very fortunate to have Arturo Lopez represent your company. I enthusiastically recommend him and "Your mechanic> as a fine operation Best regards to the Team Peter Marto

Travis

11 years of experience
312 reviews
Travis
11 years of experience
Ford Explorer Sport Trac - Brake Pads Replacement (Rear) - Minneapolis, Minnesota
Travis is great! This is the second time he has come and serviced our truck. I recommend Travis for any service ned you may have!
Subaru Forester - Brake Pads Replacement (Front, Rear) - Rosemount, Minnesota
Thank you Travis for your fast, easy, honest work on my vehicle today!! The first thing you did upon arrival to my home was find me a discount coupon for $50 off my service estimate. You did only what needed to be done in record time. You not only saved me lots of money, but did things in a profession manner. I've been looking for an honest auto mechanic for my whole life and would love for you to be it!! Thank you, thank you, thank you!! You're the best!!!

Scott

32 years of experience
346 reviews
Scott
32 years of experience
Hyundai Sonata - Brake Pads Replacement (Front, Rear) - Denver, Colorado
Arrived on time and worked quickly. Gave me detailed information on his completed work and the details of my car. Answered all of my questions thoroughly.
Lexus IS250 - Brake Pads Replacement (Rear) - Denver, Colorado
Always on time, speedy, professional, and pleasant to interact with. The work is always consistent and we'll done. I can't reccomend Scott highly enough!

Nicholas

9 years of experience
251 reviews
Nicholas
9 years of experience
Lexus GX470 - Brake Pads Replacement (Rear) - Clayton, North Carolina
Nicholas texted me 30 minutes prior to arrival. Showed up on time as scheduled. He confirmed the work that I requested be performed. He completed the work, performed the road tested, and delivered my keys along with recommendations of other work that might be in my best interest. Was very pleasant, professional, and cleaned up after he was done. I was so impressed with the service he performed and the speed at which the services were completed. I have already scheduled a future service with Nicholas and will schedule any and all future repairs with him if he is available.

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE