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.

翻译:

保险公司通过调查每个潜在客户的驾驶记录来决定（客户）参保的保险费率的（高低）。如果某客户一次或多次违反交通规则,保险公司将会给他高费率投保。另外一方面,一些保险公司对没有违反交通规则的人（没有不良交通纪律的人）保险费率实施打折政策。为了降低投保费率,尽可能不违反交通规则是非常重要的。在此建议你购买保险时要货比三家,以便购买到最低的保险的费率和最大的保险覆盖范围来更好的满足你的需求。需要记住的是,如果发现你没有购买适当的保险或者所购车辆出现了经济支付能力问题,你的驾驶执照会被吊销。想了解有关驾驶记录、车辆保险方面的信息,可向律师咨询。

1、Premium n. 额外费用, 奖金, 奖赏, 保险费, （货币兑现的）贴水

（法律专业） n. 保费 ,保险费,报酬, 溢价

2、recommend 中古英语recomenden〈中古拉丁语recommendare vt

（1）推荐；推举

Can you recommend a good dictionary？ 你能介绍一本好词典吗？

（2）劝告；忠告

I recommend you to wait. 我劝你等一等。

（3）使人喜欢；使诱人

This hotel has nothing to recommend it. 这家旅馆没有什么可吸引人的。

（4）（与to连用）交付；托付

The dying man recommended his soul to God. 这垂危病人把灵魂交付上帝

3、coverage n

（1）保险项目；保险范围

（2）新闻报导（范围）

（3）报导

（法律专业） n. 保险险别 ,保险总额,赔偿债务的准备基金

4、shop around 逛商店