CAPE GIRARDEAU, MO (KFVS) - A recent study finds some of the worst drivers in the country are right here in the Heartland.
According to carinsurancecomparison.com, drivers in Missouri rank second in the nation for being the worst drivers, second only to Louisiana.
The company used data from the National Highway Transportation Safety Administration (driving fatalities), the American Motorists Association (which states hand out the most tickets), and MADD (drunk drivers) to compare driving deaths, the amount of tickets handed out, along with drunk driving arrests to rank the states.
According to carinsurancecomparison.com, Missouri is in the top ten for carelessness and drunken driving.
Illinois fares best at number 43. Kentucky came in seventh. Tennessee ranks 15th.
A good or bad driving record will impact what you pay for car insurance.
There are two other factors you may not know about that can also steer your rates.
According to a new survey on U.S. drivers, Missourians get a lot of tickets, just one reason why they're ranked second worst.
Your driving record, dating back some three to five years can really drive up insurance rates, according to Agent Chris Gross.
"No tickets, no at fault accidents, no any of that type of stuff, very important in keeping your rates down," Gross said.
Another number to watch is that three digit credit score.
"Statistics have shown over the years that low credit, results in more claims," Gross said.
Gross says he doesn't know if he necessarily agrees with this insurance standard, but says when your credit score drops your rates will go up.
Now, count up your insurance policies.
Gross says the more you have with the same company can actually save you quite a bit of money. He says between 10 and 15 percent.
"So even though you think you're saving a little money by writing your auto insurance somewhere else, you're actually paying more for your home insurance, whereas if you package them both with the same company, you receive a nice discount," he said.
There is one thing every driver could do and that is reduce your coverage.
But Gross doesn't recommend that and says they will work with customers to find a solution to keep the amount of coverage.