Insurance companies check the driving records for every potential client to determine what rate to charge them. If the person has one or more convictions of any type, the insurance company will often charge a higher premium for insurance. On the other hand, some insurance companies offer discounts for drivers with clear records. In order to keep your insurance rates down, it is important to keep your driving record as clean as possible. It is recommended that you shop around for the best rates, and coverage which will best serve your needs. Remember, your license can be suspended if it is found that you don't have proper liability insurance or financial responsibility for your automobile. For more information about driving records and insurance, contact an attorney.