Auto insurance is essential if you want to keep driving legally and have coverage that provides an additional layer of protection. Your driving habits can affect your insurance rates, and your insurance company may decide to raise or lower the amount you pay in premiums at any given moment if your circumstances change for the better or worse. If you want to keep your auto insurance rate as low as possible, remember to follow these driving tips.
Defensive driving should be every safe driver's goal, and your insurance provider will likely reward you with lower rates if you exercise the right amount of caution while you're behind the wheel and do everything possible to avoid accidents. Some of the best ways to drive defensively include:
- Not tailgating other drivers
- Limiting distractions
- Knowing when to yield
- Being cautious of drivers who don't yield
- Avoiding getting into confrontations with other motorists
Pay Attention to Your Speed
A lead foot could cost you a lot of extra money in insurance costs if you rack up speeding tickets. Whether you're driving on the freeway or through your local town, you should double-check the speed limit signs, which may change without notice. You should be especially mindful when you're driving through school and construction work zones, as these areas tend to have reduced speed limits, and fines could be even higher if you speed through these zones.
Know How to Drive in Different Weather Conditions
You may have to adjust the way that you drive in certain weather conditions to keep yourself and other drivers safe and avoid accidents that could result in higher insurance premiums. You might need to reduce your speed if the weather is bad and visibility is limited. When you're driving in the rain, you should always have your headlights on and maintain full control over your vehicle in case you drive on any slick spots or hydroplane on the road. For times when you're traveling through an area with snowfall or ice formation, you should learn the best strategies for driving in winter weather beforehand.
Never Drive While Under the Influence
You probably already know that it's unsafe to drink and drive or be under the influence of other drugs while operating a vehicle, but you shouldn't assume that it's safe to drive as long as you're not completely inebriated. Even "buzzed" driving, which can occur if you've only had a little to drink and feel only slightly out of sorts, can be dangerous. If the police stop you while driving and consider you to be too much under the influence to drive safely, you could be arrested and fined, which will definitely raise your insurance costs. You'll be better off calling a taxi or having a friend drive you home if you're in any doubt about your sobriety.
Safe driving can keep more of your hard-earned money in your pocket. If you're looking for insurance coverage with the lowest cost, you can review different carriers and receive auto insurance quotes that may save you money.