Which driving habits affect my car coverage?

When your auto insurer determines your premiums, they will take various factors into account.  One of the things they will consider is your driving habits.  But how does our behavior behind the wheel affect your coverage costs?  Here’s what you need to know.

  • Driving Frequency and Distance

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.

  • 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.  This risk will translate into higher insurance costs because insurers deem you more likely to get into an accident or receive another moving violation.

  • Accidents

Your insurer will also look into your driving record to see if you have a history of auto accidents.  If the accidents you have been involved in were minor and you were not at fault, then this likely won’t affect your insurance rates.  However, if you were involved in a major accident that resulted in serious property damage, injury, or even death, then this could indicate that you are a high-risk driver.  This, in turn, will raise your auto insurance rates.
These are some of the driving habits that will affect your auto insurance rates.  Do you have further questions regarding your car coverage?  If so, then contact the experts at The Schwab Agency in Colleyville, Texas.  Our dedicated team is eager to assist you with all your coverage needs today.

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