How Your Driving Behavior Influences Your Insurance Cost

How Your Driving Behavior Influences Your Insurance Cost

Did you know that your driving habits affect your auto insurance rates?

When your insurer calculates your auto insurance premiums, they will take various factors into account.  Along with your age, car make and model, claims history, and location, your insurer will also consider your driving habits.  But which driving behaviors do they look at most closely and how do these habits influence your rates?  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 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.

These are some of the driving habits that will influence your auto insurance rates.  Do you have additional questions about securing the right car coverage?  If so, then contact the experts at East End Insurance Agency.  Our dedicated team is eager to assist you with all your auto insurance needs today.

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