InsuranceAgents.com Connects Bad Driving Habits to Higher Auto Insurance Quotes

A newly published article discusses how drivers can find lower auto insurance rates by dropping bad habits and committing to being a more responsible driver. End Quote

Acquiring bad driving habits will make insurance companies consider you a "high-risk driver"

Columbus, OH (1888PressRelease) December 04, 2009 - A new InsuranceAgents.com article lists bad driver habits - talking on the cell phone, eating or drinking, fiddling with the radio/CD player, etc - and links those bad habits to car insurance premiums.

Acquiring bad driving habits will make insurance companies consider you a “high-risk driver,” one they will either not want to insure or one who they will insure but at an exorbitant premium. “Rates tend to increase the more of a risk you are as a driver. Low-risk drivers are rewarded with more affordable auto insurance, and can even qualify for discounts,” according to the InsuranceAgents.com article, ‘Auto Insurance: Bad Habits Cost You Money.’

Some of the ways for policyholders to reduce the amount they spend on auto insurance premiums include driving more responsibly (no tailgating, no speeding, and obeying traffic lights and signs), and eliminating distractions while they drive, including talking on cell phones, texting, horsing around with other passengers, changing CDs in the CD player, and eating, to name a few.

“Local governments crack down on high-risk distractions drivers take part in while they’re at the wheel. These habits cause too many accidents and contribute to high auto insurance rates,” according to the InsuranceAgents.com article. “Cutting these distractions while driving is a sure way to avoid accidents and prevent high rates on your auto insurance.”
Also, it’s important to maintain good credit. If your credit is less than average, make attempts and take steps to improve it as soon as possible.
“[T]he better you’re your credit history, the easier it is to get an affordable auto insurance premium. Drivers with good credit, a history of paying their bills fully and on time are considered low-risk and highly responsible. Just remember to pay all of your bills on time and don’t open new credit accounts too regularly,” according to the article.

Also, keep in mind: though the current economy may make it more difficult to keep up with bill payments and premiums, ditching auto insurance entirely is against the law in most states. So don’t drop your coverage. If bad luck were to strike after you dropped your policy, it could be a mistake that ends up costing your thousands of dollars out of pocket, much more than maintaining your premium payments would be.

Always keep auto insurance coverage—just try to find it at a better price. Improve your driving habits to be qualified for more discounts; also, look online for auto insurance quotes and find lower, more affordable rates.

http://www.insuranceagents.com/bad-habits.html

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