How Your Driving Habits Can Affect Your Insurance Premiums

If you are concerned about the cost of your car insurance, take a look at your driving habits. The way you drive can affect how much you pay for your insurance premiums. Changing bad habits can help you reduce your insurance rates and help you cut costs.

Take it Easy

If you have a bit of a lead foot, you may have received citations for speeding, which can affect how much you pay for insurance. While one ticket may not increase your premiums, if you have a bad habit of speeding and have received more than one ticket, then you could be paying more for your car insurance. Slowing down and obeying the speed limit will help keep you from being pulled over and keep you from overpaying to insure your vehicle.

What do You Drive?

While a luxury sports car may be appealing to you, as it is for many people, you will pay more for insurance if you buy one. Go to your local Provo insurance angency to verify but genreally it costs more to insure sports cars because they tend to be pulled over more for speeding. In addition, since luxury cars are often the target of thieves, the insurance companies will charge you more for driving a luxury model car. Selecting a more modest car will help you keep your insurance premiums at reasonable rates.

Don’t Drink and Drive

This should be an obvious one, but too many people get behind the wheel after having one or two drinks thinking they are okay to drive. If you are pulled over and caught driving with a blood alcohol content that is above the legal limit, you will end up paying significantly more for your car insurance. Instead of risking higher rates, losing your driving privileges, and your freedom, make it a habit to skip the drinks if you are driving.

Drive Safely

Defensive driving will help you stay out of most car collisions and prevent your insurance premiums from going up. Even one minor fender bender can cause you to pay more for your car insurance, depending on your age and driving history. Keep your eyes on the road and be aware of the drivers around you to help prevent being involved in an accident.

Bad driving habits can cause your car insurance premiums to double or even triple if you get speeding tickets or are involved in an accident. By driving cautiously, you can keep from paying too much for car insurance.

To find out how to calculate your car insurance, click here.

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