Another of our insurance tips is a bit funny to explain. It’s not uncommon for a driver to have an insurance policy that they don’t understand entirely. For many drivers, this can be especially true when it comes to how an insurance company determines the final rate that a customer pays. This is becoming more and more apparent as insurance is offering real time monitoring and other options to lower rates with good driving. It’s not quite as obvious with factors like driver habits. Nearly every policy holder fills out an initial questionnaire, including several questions regarding personal habits.
There aren’t many habits an insurance company can weigh in on, but ones that stand to cause a problem for the driver almost always fit. Cigarette smoking is an excellent example of this kind of habit. Modern auto insurance companies nearly always ask if the driver is a smoker. A smoking habit can drastically increase driver liability. This can in turn raise the overall insurance rates that a driver pays in the long term.
While it may seem unfair to penalize smokers while driving, there are a few reasons it’s typically done. Smoking is a distraction before, during and after the actual smoking process. Drivers who are anxious due to a lack of nicotine are edge, and lighting or smoking a cigarette can be a major distraction. Smoking can also lead to tar build up on the windshield, which can lower driver viability. Smoking is only one such example, but it is one that is increasingly more common on the initial policy purchase.
As with all our insurance tips, we suggest you give this one a try. When you’re considering a new insurance policy, it may be time to consider changing some old habits. Insurance companies may offer surprisingly lower rates if a driver can give up smoking or other distracting habits. This is just one more trick a driver can use to save money on an insurance policy.