5 Risky Behaviors That Spike Car Insurance Rates

Whether it’s the daily commute, running errands, or taking a family vacation, your car is vital. But with this freedom comes responsibility. Driving comes with inherent risks, and certain behaviors can significantly increase those risks – and your insurance rates along the way. Here are 5 risky behaviors that can make your car insurance skyrocket –

  1. Not Wearing a SeatbeltSeatbelts are proven lifesavers! According to the National Highway Traffic Safety Administration (NHTSA), seatbelt use in all seating positions reduces the risk of fatal injury by 45% for drivers and front-seat passengers and 60% for rear-seat passengers.

    Not only is not wearing a seatbelt dangerous, but it also screams negligence to insurance companies. They see it as a potential for higher medical claims in case of an accident, which translates to higher premiums for you.

  2. Distracted DrivingTexting, talking on the phone, eating, and fiddling with the radio are some distractions that can take your eyes off the road and your mind off the task at hand.

    Insurance companies track driving behavior through telematics programs offered by some providers. These programs monitor phone use while driving and harsh braking, which can lead to higher insurance rates.

  3. Driving Under the Influence (DUI)Driving under the influence of alcohol or drugs is not just a risky behavior; it’s a criminal offense. A DUI conviction can have a devastating impact on your life, including hefty fines, jail time, a suspended license, and a permanently blemished driving record. However, perhaps the most immediate consequence will be a significant increase in your insurance rates.

    A DUI will usually lead to a multi-year surcharge on your insurance premium. This can easily double or triple your insurance costs. In some cases, you may even be denied coverage altogether.

  4. Reckless DrivingReckless driving goes beyond speeding; it encompasses any behavior that disregards the safety of yourself and others on the road. This can include weaving in and out of traffic, tailgating, running red lights, or street racing. Like DUIs, reckless driving convictions will result in points on your license and significantly increased insurance rates.

    A history of reckless driving can lead to higher premiums even without an official conviction. Drive defensively, be courteous to other drivers, and avoid taking unnecessary risks on the road.

  5. SpeedingSpeeding is a common traffic violation, but it can greatly impact your insurance rates. The faster you drive, the less time you have to react to potential hazards. This increases the risk of an accident, so insurance companies charge higher premiums for drivers with speeding tickets.

    The severity of the increase depends on the speed at which you were caught exceeding the limit. Even a single speeding ticket can lead to a noticeable jump in your premiums.

Get Affordable Car Insurance Rates with Family Financial Insurance Group

Driving safely is not just about protecting yourself and others; it’s also about keeping your insurance rates down. At Family Financial Insurance Group, we can help you find the right car insurance policy that fits your needs and budget. Contact us today for a free quote and learn how safe driving habits can lead to significant savings. Call us at 972-270-1488 to get started.

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