Insurance companies check the driving records for every potential client to determine what rate to charge them. If the person has one or more moving violations, the insurance company will often charge a higher premium for insurance. Contrarily, some insurance companies offer discounts for drivers with clear records, so it is advised to keep a clean driving record. Many states use the points system; i.e., depending on the type of moving violation, the driver will receive a certain number of points on his or her driving record, which is used to calculate insurance premiums. You should check your driver's record periodically to ensure that it is correct.