If QuotesChimp have a bad driving record, the statistical chances of your being in an accident are higher than if you have a good driving record. Thus, the good driver should pay less for insurance. But what distinguishes a good from a bad driver, especially if you have had no accidents in the last few years? The answer is convictions๏ฟฝconvictions for moving violations, to be specific. Your driving record is reviewed continually to see whether you have been convicted of crimes such as drunk driving or of vio๏ฟฝlations such as speeding or running a red light.