No one wants to see their monthly auto insurance payments skyrocket simply because they got in an accident or made a small mistake. Unfortunately, the cost of your insurance can be drastically altered by your driving record, so you must be aware that your premium can increase if you make certain mistakes.
If you don’t want to see your auto insurance premiums go up, here are a few things you need to do.
Drive as Safely as You Possibly Can
Accidents, including small fender benders, are the number one easiest way to boost your insurance rates, especially when you’re at fault. Therefore, be aware of your surroundings on the road and drive cautiously. Additionally, speeding tickets and other violations can raise your premiums because they indicate that you are a risky driver. Avoid committing infractions of any kind. DUI or DWI convictions are especially condemning, so keep that in mind as you climb behind the wheel after having a few drinks.
Care for Your Vehicle
Buying a new vehicle to replace your old one when it breaks is a pretty surefire way to increase your rates. As a result, it’s a good idea to take care of your current ride as much as you can. The longer you can safely drive your current car, the less likely your rates are to rise. If you are forced to buy a new vehicle, select one that is rated highly for its safety features, which could help keep your insurance rates low.
Take a Defensive Driving Course
If you’re worried that your premiums are going to skyrocket after getting in an accident or receiving a ticket, sign up for an online defensive driving course. Although you will have to pay for the course itself, it will indicate to the insurance company that you are becoming a safer driver, and that will probably help you keep your premiums lower than they would be without the course.