If you have ever received a ticket or been in an accident, chances are one of the things that popped into your mind immediately is your auto insurance rates. You might have found yourself wondering whether they would increase drastically now that your driving record has been negatively impacted.
There are three ways you can avoid an increase in rates. Moreover, the most powerful impact will be on your safety and that of others on the road. Plus, it’s always nice to have a little extra money in the bank. Reduce your auto insurance rates through the following three guidelines:
1. Defensive Driving
Most teenagers will go through a driver’s education course before they take a test to receive their license. However, as fresh as the rules of the road may be at that time, they tend to take a back burner after a while.
Most people are looking to get where they are going, so their focus tends to be more on this than following the rules of the road. Moreover, drivers can become distracted by phones, music, and passengers.
Defensive driving is the best way to lower your personal risk of an accident. Things like driving in the right lane, using your turn signal or headlights, and maintaining a three second following distance can mean the difference between a wreck and safely arriving at your destination.
2. Obey Traffic Laws
Traffic laws are put in place after much study and research. Every day millions upon millions of data pours into traffic control centers throughout the country and measures the rate of everything from crashes to drivers running red lights.
This data plays an important role in the formation of traffic laws. Not to mention, they are in place for the safety of drivers. Violating these laws can result in traffic stops and accidents.
Both of these situations are likely to lead to an increase in your auto insurance rates. You can easily avoid tickets by keeping your focus on the road and limiting distractions around you.
3. Ask about Driving School Discounts
Another great way to keep your auto insurance rates low is to ask your agent about any discount you might receive when you attend a driving school. Additionally, many insurance companies have a discount program that lowers your rates based on driving data.
Typically, this data is compiled through a small Bluetooth or USB device that is plugged into your car. An added bonus of these programs is that you can track your driving skills and see where improvements are needed!
Contact Texas Insurance Agency to Find Your Low Rates!
Texas Insurance Agency can help you find the low rates you are looking for. We can also offer advice on keeping your rates low or receiving discounts!