The connection between your driving habits and your car insurance

Cheap Car Insurance | May 1, 2016 | Leave a comment
The connection between your driving habits and your car insurance

Similar to the influences of driving habits towards your car insurance premiums, driving habits could also impact how much car insurance you had better buy.

Some of driving habits which you should break include:

  • Drunk driving
  • Distracted driving
  • Overlooking the weather
  • Not concerning speed limit
  • Not wearing proper seat belts
  • Tailgating
  • Inappropriate maintenance

When To Reduce Your Car Insurance

You may not need high levels of auto insurance coverage if you meet the following situations:

  • You drive in areas with low risk. If you are living in a rural, low-paced area where you just pass some other cars on the road to the grocery stores or your workplace, then you may not need a high amount of car insurance.
  • You drive irregularly. Perhaps, you do not drive to work a lot, or you are a retired senior, then you may not need much insurance coverage.
  • You are the single driver on the policy and your feel confident with your own driving skills, then you may consider reducing your current car insurance coverage.

Read more: how your occupation impacts your insurance rate

When To Boost Your Auto Insurance

Whilst buying less auto insurance coverages could assist you in saving on the insurance rates, there are a few circumstances in which you may want to consider buying more car insurance from car insurance companies. It regard to buying auto insurance, perhaps it is not the best to purchase less if:

  • You drive in regions with high risk of accidents. This includes those highly populated towns or cities in which there are a lot of other drivers commuting on the roads.
  • You drive too frequently. Whether it is for playing or working purpose, if you drive more, your risk of getting involved in car accidents will also increase.
  • There is anybody else on your current insurance policy. Even when you feel highly confident with your driving habits and abilities of anybody else on your vehicle, you could still not take control of other motorists, including the ones on your insurance policy.

The points above include some solid reasons why you may decrease or increase your auto insurance coverage based on your own driving habits; nevertheless, it is worth noting that there are some other factors going into determining the amount of coverage you had better or must buy.

Hence, before starting to shop for auto insurance, or asking your insurance agent about how to reduce your coverage, you should spend time thinking about:

  • The requirements of your state. The majority of states in the U.S require drivers to have either a certain amount of liability coverage or other proof of the responsibility of finance before you could register and use your car; nevertheless, you had better make sure that you acknowledge any extra coverage types that your state requires. For instance, check if your state requires personal injury protection aside from liability coverage.
  • Your car. If your car is an antique, rather new, or otherwise very expensive, reducing your car insurance is not the best decision.
  • Your lender. In case you financed your car, then your lenders may require you to have a certain amount of collision and comprehensive coverage till you can totally pay off your car loan.
  • Your bank account. In case you do not have enough money in your own account in order to replace or fix your car in case of an accident, theft or vandalism, buying extra coverage like comprehensive coverage and collision may be a good financial decision than saving your money on the monthly premiums by buying the level of bare minimum.

In case any of those factors forces you to purchase more coverage, then do not worry because you will be still able to save your money with car insurance discounts, particularly if you build up safe driving habits.



The connection between your driving habits and your car insurance
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