How your driving habits influence your auto insurance rates.
When you begin the process of securing auto insurance, the insurance provider will consider your characteristics and personal factors to determine your rates. One area auto insurers look at is your driving habits. But which habits do they look for specifically and how do these behaviors affect your rates? Read on to find out.
- Driving Frequency and Distance
Two of the things auto insurers will consider is how often you use your car and how far you tend to drive on average. In general, the more often and the further you drive, the more expensive your auto insurance will be. This is because the more you use your car, the higher your risk of getting into an auto accident. On the plus side, if you don’t drive regularly, then your insurance rates will be on the lower side.
- Reckless Driving and Accidents
Reckless driving is a broad category that encompasses many bad driving behaviors. For instance, if you have a documented history of speeding, DUIs, distracted driving (for instance, driving while using your cell phone), or other traffic violations, then you are considered a high-risk driver. Additionally, if you have a history of at-fault auto accidents, then this will also classify you as a high-risk driver. This higher risk will translate into higher insurance costs because insurers deem you more likely to get another moving violation or be involved in another accident.
Here’s how your behaviors behind the wheel influence your auto insurance costs. Looking for the right car coverage to meet your needs and your budget? Then contact the agents at Weaver & Associates in Arcadia, California. Our dedicated team is eager to get you the coverage you need today.