The most fundamental tip for saving money with auto insurance is to drive safely. It sounds simple, and in some ways it is, but there are many rewards for safe drivers. When buying a new policy, a driver’s past record is always considered. Driving safely and defensively give drivers an edge for driving safely. Avoiding accidents over the course of a lifetime can dramatically lower rates.
When considering how much to charge for a policy, insurance companies look into past driving records for a record of a driver’s general risk. Even accidents that are not the fault of the driver can count against this overall record. Mutual fault accidents can likewise count against a driver when they are getting a new policy. Doing everything a driver can to avoid an accident is the surest way to save over a lifetime of driving.
Basic defensive driving is important, both for car insurance and in overall risk avoidance. Leaving more than enough distance between vehicles prevents rear end collisions in both short and long stop situations. Careful monitoring of the road gives drivers ample warning if approaching and accident or other road hazard. Being patient and not aggressive can make lane changes and passing safer.
A good driving record can save drivers hundreds of dollars a year on an insurance policy. Over the lifetime of one vehicle, thousands of dollars can be saved by safe driving. Defensive driving is an easy way to ensure safe driving. Careful observation of the roads and traffic laws should help a driver avoid accidents, which will lead to better insurance rates in the long term.