What factor can lead to a higher insurance premium in Iowa?

Accumulating points on a driving record can lead to a higher insurance premium in Iowa because insurance companies view this as an indicator of risk. A higher points total suggests a pattern of unsafe driving behavior, which can increase the likelihood of future claims. When insurers assess risk, they consider the driver's history, including any violations or accidents, and drivers with more points are perceived as more likely to file insurance claims. Consequently, insurers may charge higher premiums to compensate for the increased risk associated with these drivers.

In contrast, comprehensive coverage additions do not directly impact premiums as much as driving behavior. Accidents that do not involve injury may not significantly increase rates depending on specific circumstances and the insurance plan's provisions, and having a learner's permit often results in lower insurance rates rather than higher, as it reflects a new driver who may still be under a family's policy.