3 Driving Habits That Can Keep Your Insurance Rates Lower

3 Driving Habits That Can Keep Your Insurance Rates Lower

 

drive the speed limit to keep your insurance premiums downOwning a car means getting an insurance policy and paying premiums on a monthly basis. Car insurance premiums are becoming more and more expensive with time. The rates are even higher for younger drivers. Fortunately, there are several ways to keep your insurance rates lower. Good driving habits is one of them.

Following are 3 driving habits that can keep your insurance rates lower:

1. Observing the Speed Limit
A single moving violation can lead to increased insurance premium. No matter whether you are cited for driving 5 miles per hour over the limit or 50 miles per hour over the limit – it will result in a premium increase regardless (although it may be higher for more serious violations). So, one of the best ways to keep your insurance rates lower is to avoid moving violations.

Observing the speed limit is a good driving habit that will not only keep you safe on the road but also help lower your insurance rates.

2. Being a Defensive Driver
Speeding is not the only driving activity that affects your insurance rates. Having premium-friendly driving habits also helps. For this purpose, it is highly recommended that you enroll in a defensive driving course. Your auto insurance company may cut you a break on insurance rates simply for completing the course.

Defensive driving courses allow you to learn various useful tips and gain skills to be a better defensive driver. You also adapt great driving habits such as keeping an eye out for what others are doing on the road, properly handling your vehicle in changing weather patterns, keeping a good distance away from other vehicles, and more. Learning and adapting these basic but highly useful driving skills make you a better defensive driver, which in turn reduces your chances of accidents and moving violations.

3. Safe, Focused Driving
Behind the wheel, many drivers tend to do dangerous things. It is no secret. Texting and talking on cell phones, drinking and eating, using built-in technologies of the car like navigation systems, etc. all take the driver’s attention off the road. Distracted driving is one of the leading causes of auto accidents and the more problems on your driving record, the less likely for your insurance company to charge lower rates. On the other hand, safe, distraction-free driving helps you keep a good driving record which auto insurance companies appreciate. Hence, it can lead help keep your insurance rates lower.

These are some of the driving habits that can help keep your insurance rates lower. It won’t happen overnight but making an effort to adapt these habits will ultimately pay off big for your bottom line.

3 Driving Habits That Can Keep Your Insurance Rates LowerCarver Insurance Services, Inc. is a local insurance agency that has been serving residents and small businesses in Murrieta, Temecula, and surrounding areas since 2004. Started by Diana Carver; a second generation insurance broker with over 25 years experience, when after working for several insurance brokerages, Diana felt the need for a brokerage that was efficient and progressive, while still keeping that “hometown” feeling.

Carver Insurance Services, Inc.’s goal is to help you determine what insurance needs you have, meet those needs, and then help you prepare to meet future goals. The Carver Insurance Services, Inc. Family and its agents would love for you to stop by one of their two convenient locations for a free insurance quote or just to say, “Hello!”

For more information, give Carver Insurance Services, Inc. a call today to talk to a friendly, helpful agent.

951-677-9600

Carver Insurance Services, Inc.-Temecula

33321 Temecula Parkway suite #102, Temecula, 92592

951-676-0540

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