Car Insurance Quotes Increase with Bad Driving Records

Chicago (InsuranceAgents.com) – Chances are if you auto insurance rates are high, it’s something you did. The most common reasons for high auto insurance rates include moving violations, accidents, and bad credit. The more bad driving habits you can get rid of, the better chance you have to save money on auto insurance, according to a recently published article on InsuranceAgents.com.

The article states, “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.”

You don’t want to be considered a high risk driver by your auto insurance company, so try to avoid high risk behavior. Some common mistakes drivers make that can lead to increased rates include tailgating, speeding, running red lights, driving while distracted by cell phones or texting, fiddling with the radio/CD/MP3 player, reaching for items far away, and talking to passengers seated behind you.

“Local governments are cracking 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. Cutting these distractions while driving is a sure way to avoid accidents and prevent high rates on your auto insurance,” according to the article on InsuranceAgents.com

Aside from driving well, your personal finances can come back to bite you when you apply for auto insurance. The worse your credit is, the more you will pay. The article explains, “[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.”

You should avoid paying high auto insurance rates, but the last thing you should try is to drive without coverage. Driving without insurance is illegal in nearly every state in the US and the fines and potential jail time are not worth it. Also, driving without a policy means you are completely liable personally for all damages and personal injury expenses associated with any accident you would be involved in.

For more information or for car insurance quotes from up to five local agents, visit InsuranceAgents.com.

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