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.

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，potential
[only before noun]
Capable of being but not yet in existence; latent；
likely to develop into a particular type of person or thing in the future ￚsynonym possible；
potential customer/buyer/client
new ways of attracting potential customers
potential benefit/problem
the potential benefits of the new system potential danger/threat/risk the potential risks to health associated with the drug

2，client
[countable]
1）someone who gets services or advice from a professional person, company, or organization ￚsynonym customer
eg. a meeting with an important client
2）technical a computer on a network that receives information from a server (=large powerful computer)
3）The party for which professional services are rendered, as by an attorney. 当事人，委托人向一方其提供专业服务，如通过代理人
A customer or patron: 顾客，客人顾客或主顾：
clients of the hotel.饭店的客人

3，conviction
The judgment of a jury or judge that a person is guilty of a crime as charged. 判罪陪审团或法官对某人犯有被指控之罪行的判决
The state of being found or proved guilty: 定罪被发现或证明有罪的状态：

4，discount
[countable] a reduction in the usual price of something；
A reduction from the full or standard amount of a price or debt.

5，shop around
phrasal verb，to compare the price and quality of different things before you decide which to buy

6，coverage
[uncountable] American English，the protection an insurance company gives you, so that it pays you money if you are injured, something is stolen etc
British Equivalent: cover
Eg. health care coverage

7，suspended
[transitive] ▶STOP◀；to officially stop something from continuing, especially for a short time
eg. Sales of the drug will be suspended until more tests are completed.
Talks between the two countries have now been suspended.

8，liability insurance：责任险
financial responsibility：经济责任