Three Ways Your Driving Habits Can Translate Into Lower Auto Insurance
Posted on: 10 December 2015
People often go to time-consuming lengths to reduce the amount that they pay for their auto insurance. These methods, while effective, aren't necessarily ideal if you're short on spare time. After all, you probably don't want to spend your few minutes of downtime each week comparing insurance quotes online. There are a variety of strategies that relate to your driving habits and that don't require a significant time investment. These ideas can either make you eligible for a rate drop immediately or keep your rate low each time it's renewed annually. Here are three driving-related ideas to keep in mind.
Find A Safe Place To Park
While a vehicle break-in is inconvenient in itself, being a victim of this crime can also cause your auto insurance rate to increase. While it's sensible to have an anti-theft system installed in your vehicle, it's also worthwhile to focus on safety every time you park. Look for locations that are well-lit and parking lots or garages that are guarded. When you're parking at home, opting to put your vehicle in the garage instead of leave it in the driveway is also important. How you leave your vehicle can reduce its appeal to would-be thieves; always make sure that anything of value is removed or tucked out of sight.
Be Smarter Behind The Wheel
A fender bender might not seem major at the time, but it can lead to a spike in your insurance rate. You can often keep your rate low -- and have it drop the next time it's renewed -- by being smarter about how you drive. There are a number of strategies to employ, and many are simple. Try leaving five or 10 minutes earlier each time you go out to an appointment so you won't have to rush and increase your risk of an accident. Use the three-second rule to ensure you aren't following another driver too closely and ensure that you're using a hands-free system for your cellphone to avoid driving while distracted.
Leave Your Vehicle At Home When Possible
The more time you spend on the road, the more risk you have of being in an accident. Taking alternative methods of transportation, such as the bus or subway, can limit your risk of an accident and the subsequent insurance rate increase. Additionally, if you commit to not using your vehicle for traveling between your home and work, your insurance company might provide you with a rate drop.
To learn more about auto insurance, contact a company like Beriswill Insurance.
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