If Quotes Chimp 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�convictions 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�lations such as speeding or running a red light.