07 Mar 2019
How Driving Habits Influence Your Auto Insurance Costs

These are some of the driving habits that will influence your car insurance rates.

When you apply for auto insurance, your insurer will consider several factors to determine your premiums.  One of the things that they will look at is your driving habits.  But which habits will affect your rates and why?  Here’s what you need to know.

  • Driving Frequency and Distance

Two of the things that 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

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.  This risk will translate into higher insurance costs because insurers deem you more likely to get into an accident or receive another moving violation.

  • Accidents

Your insurer will also look into your driving record to see if you have a history of auto accidents.  If the accidents you have been involved in were minor and you were not at fault, then this likely won’t affect your insurance rates.  However, if you were involved in a major accident that resulted in serious property damage, injury, or even death, then this could indicate that you are a high-risk driver.  This, in turn, will raise your auto insurance rates.

This is how your driving habits will affect your insurance costs.  Do you have additional questions regarding your car insurance?  If so, then contact the experts at Patterson & Associates in Richardson, Texas.  Our dedicated team is eager to assist you with all your coverage needs today.