中英文：Driving record and insurance

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.
    翻譯:
    保險公司通過調查每個潛在客戶的駕駛記錄來決定（客戶）參保的保險費率的（高低）。如果某客戶一次或多次違反交通規(guī)則,保險公司將會給他高費率投保。另外一方面,一些保險公司對沒有違反交通規(guī)則的人（沒有不良交通紀律的人）保險費率實施打折政策。為了降低投保費率,盡可能不違反交通規(guī)則是非常重要的。在此建議你購買保險時要貨比三家,以便購買到最低的保險的費率和的保險覆蓋范圍來更好的滿足你的需求。需要記住的是,如果發(fā)現你沒有購買適當的保險或者所購車輛出現了經濟支付能力問題,你的駕駛執(zhí)照會被吊銷。想了解有關駕駛記錄、車輛保險方面的信息,可向律師咨詢。
    1、Premium n. 額外費用, 獎金, 獎賞, 保險費, （貨幣兌現的）貼水
    （法律專業(yè)） n. 保費 ,保險費,報酬, 溢價
    2、recommend 中古英語recomenden〈中古拉丁語recommendare vt
    （1）推薦；推舉
    Can you recommend a good dictionary？ 你能介紹一本好詞典嗎？
    （2）勸告；忠告
    I recommend you to wait. 我勸你等一等。
    （3）使人喜歡；使誘人
    This hotel has nothing to recommend it. 這家旅館沒有什么可吸引人的。
    （4）（與to連用）交付；托付
    The dying man recommended his soul to God. 這垂危病人把靈魂交付上帝
    3、coverage n
    （1）保險項目；保險范圍
    （2）新聞報導（范圍）
    （3）報導
    （法律專業(yè)） n. 保險險別 ,保險總額,賠償債務的準備基金
    4、shop around 逛商店