These Red Flags Could Cost You More in Arizona

Have you ever had a speeding ticket? What about a traffic accident?

If you answered 'yes' to either of those questions, keep reading. This information could save you money.

A few years ago, I was driving home from Phoenix. I had just gotten off Interstate 10 and was on a divided highway with a much lower speed limit. I was vibing to the music and daydreaming about my recent visit with friends when I suddenly realized I was speeding.

You might be asking why I suddenly thought to check my speed.

The answer is easy. The flashing lights on the top of the police car behind helped jog my memory. Sure enough, I was going too fast.

After a short conversation with a very polite officer, I got a painful, written reminder to slow down, with a speeding ticket.

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Expensive Reminder to Slow Down

I was embarrassed, but the thought of paying the expensive fine and what it would do to my driving record and insurance costs was even more troubling.

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If you have a similar story, you might want to consider checking your driving record to make sure you're not still getting hit in the wallet for a momentary mistake.

Why You Should Check Your Driving Record in Arizona

According to WalletHub, you might want to check your driving record if you've ever had a speeding ticket or been in an accident.

Insurance companies pay close attention to your record. Even a single speeding ticket in Arizona could increase your premium by around 30 percent.

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If it's been a while since you received a citation and your rates still seem high, consider reviewing your driving record. You can make sure it's accurate so you know when the infractions will stop affecting your insurance rates.

How to Check Your Driving Record in Arizona

If you're shopping around for a better insurance rate, the best time is when the fines are removed from your record. Otherwise, you could get locked into a higher rate.

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Insurance companies typically look at the last three to five years of your driving history when they put together a quote for you. Keeping tabs on your driving record can save you money in the long run, and you'll know exactly when to get that quote.

Checking your driving record in Arizona is simple. Just hop onto the Motor Vehicle Department website, fill out an online form with your personal details, and pay a small fee—$3 for a basic record or $5 for a certified five-year record. You can then print or save it for your records.

The best way to save money is to clear the red flags before you look for a better rate in Arizona.

Sources: Public Data Records | Arizona Motor Vehicle Division | WalletHub