How Your Habits Behind the Wheel Affect Your Auto Insurance Costs

Find out how your driving behaviors influence your car insurance rates.

Your auto insurance premiums are based on a variety of personal factors.  One of the things that your insurer will consider is your general driving habits.  But which habits do they look at and how exactly do they affect your car insurance costs?  Here’s what you need to know.

  • How Often and Far You Drive

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.

  • Instances of 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.  Additionally, if you have a history of at-fault accidents, then this will also lead insurers to consider you a risky 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.

These are some of the driving habits that will influence your auto insurance rates.  Do you have further questions about your car insurance costs?  If so, then contact the experts at Robert J. Los Insurance Agency in Hamburg, New York.  Our dedicated team is eager to assist you with all your car coverage needs today.