This is a really important step in order to find the most adequate type of auto insurance because you can estimate the risks of having an accident while you’re driving according to your habits, your neighborhood, your place of work, shopping etc. You can’t change the neighborhood you live, but you can change your behavior while driving. The provider of your car insurance must be aware of your driving habits in details: driving frequency, most common roads such as the road from home to work and back etc.
The auto insurance premium is also influenced by your driving habits. You can’t have points on your license because this can increase your costs, so make sure you respect the driving laws. There are accidents in traffic that can make the people responsible for them never eligible for a cheap insurance.
Many companies have higher insurance premiums for beginners so the more experienced you are the less you pay for insurance. There are also defensive driving courses that you can take in order to save up to 35% of your premium. These courses are not free but they can be considered an investment, they save up insurance money and they improve your driving skills.
Some insurance companies will suggest that you should provide an advanced alarm system or a tracking device if your car is more expensive than the average ones or if they consider your neighborhood or usual driving routes unsafe. If you have an enclosed garage, it is better to use it at night or if you are away for a few days because a car less exposed saves you money on insurance. Anytime you park try to avoid dark, remote places and find open sites with lightning if it’s possible, in order to keep vandalism and thefts away.
Therefore, it seems that who you are and how you behave, not only when you’re driving but also when you choose a car or when you pick up a route or even when you’re parking, can seriously influence your insurance costs.
Safe Drive and Pay Less! we recommend you to read our post.