Improve Your Insurance Premiums
By Improving Your Safe Driving Habits
We all know safe driving helps keep everyone on the road free
from harm—but it also contributes to cheap auto insurance rates.
What most people don't know is how to go about finding a
cheap auto insurance company that will give them the best rates
But InsureMe knows how—and we work hard to help you find that
cheap auto insurance policy you need. We work with some of the
nation's top insurance carriers that examine your needs, take a look
at your driving record and compete to offer you the cheap auto
insurance you are looking for.
Put your need for cheap auto insurance in the capable hands of
Cheap Auto Insurance: Costly Behaviors to Avoid
Aggressive or reckless driving, speeding and driving while
impaired can skyrocket the cost of your auto insurance.
auto insurance can be hard to come by—but there usually are
companies out there willing to insure you.
Let's examine each of these costly behaviors and the toll they
can take on annual auto insurance premiums.
The National Highway Traffic Safety Administration (NHTSA)
defines aggressive driving as "the operation of a motor vehicle in a
manner that endangers or is likely to endanger persons or property."
A substantial portion of the approximately 6,800,000 crashes
occurring in the United States each year are caused by aggressive
Aggressive driving includes a range of less serious offenses,
such as reckless driving, and does not necessarily imply willful or
wanton disregard for the safety of others, according to the NHTSA.
But driving aggressively can make finding cheap auto insurance
Typical aggressive driving behaviors include passing on the right
shoulder, tailgating slower drivers, weaving in and out of traffic,
making obscene gestures toward other drivers and flashing the lights
or honking the horn in non-emergency situations.
Drivers who engage in these types of behaviors are high-risk,
high-frustration roadsters who seldom consider the consequences of
their actions and routinely disobey the laws of the road. This makes
getting cheap auto insurance a challenge. In fact, these behaviors
cause increased auto insurance rates across the board, due to higher
insurance claim rates and medical bills resulting from accidents.
The NHTSA recommends these suggestions to limit your liability,
keep our roadways safer and make getting cheap auto insurance
Keep your cool in traffic, remaining patient and courteous
toward other drivers.
Correct any of your own aggressive driving behaviors that
might endanger, antagonize or provoke other motorists.
Reduce your own stress while driving by allowing yourself
plenty of time to get where you are going, avoiding areas of
heavy congestion and listening to relaxing music.
Support law enforcement efforts to identify and penalize
Report dangerous or aggressive driving to a community
witness "tip line," if one is available.
Keep your eye on the road and avoid making eye contact with,
or responding to, anyone who tries to "pick a fight" while
In an effort to control outbreaks of aggressive driving, many
communities are now assigning more traffic police in areas where
aggressive driving is more commonplace. Ticketing is also becoming
more frequent, raising insurance rates and making cheap auto
insurance harder and harder to find.
Speeding is perhaps the most common moving violation—and the most
"The faster you go, the more deadly it is," says Jeanne
Salvatore, spokeswoman for the Insurance Information Institute
(III), an industry trade group. "There's a higher possibility you're
going to cause a lot of damage to people or property [while
According to an 2006 MSN Money article, the National Highway Traffic
Safety Administration (NHTS) found that speeding accounts for
one-third of traffic fatalities.
Cheap auto insurance has become difficult to acquire because
speeders endanger everyone on the road when they are running late,
not paying attention to their speed, enjoying a new car or just
enjoying driving fast—resulting in death and injury.
The biggest financial hit from speeding tends to come from the
insurance company, not the judge. The same MSN Money
article also states that auto insurance companies may increase
premiums by as much as 50 percent for one speeding ticket in a
three-year period (although not all insurers penalize consumers for
a single speeding ticket).
Following the citation of speeding tickets, auto insurers may
also attach a temporary surcharge to previously cheap auto insurance
policies for up to three years—thus initiating the financial
fallout. In the end, speeding tickets tend to stay on your driving
record (and increase your premiums) for three years, after which
auto insurance may be more easily acquired.
Have a few too many speeding tickets on your record? Try traffic
school. MSN Money says that some states offer traffic courses for
drivers with minor speeding violations. Six to eight hours later,
your speeding conviction may be wiped clean, hidden from the eyes of
employers and insurance companies. Check with your state for
details—but this option may be a helpful tool to help you qualify
for cheap auto insurance.
Driving While Impaired
Drunk drivers, those who have used or abused drugs and sleepy
drivers behind the wheel are a disaster waiting to happen! Motorists
need to stay alert day and night to keep driving response times at a
minimum and avoid endangering lives.
According to the Center for Disease Control (CDC), alcohol-related
crashes kill someone every 31 minutes—and cost the U.S. over $50
billion annually. The CDC estimates that drugs other than alcohol
(like marijuana and cocaine) comprise about 18 percent of motor
Not surprisingly, the severity of accidents involved with impaired
driving goes hand in hand with insurance costs—making cheap auto
insurance tough to find.
Having trouble finding cheap auto insurance?
Despite the abovementioned high-risk driving behaviors, cheap
auto insurance isn't impossible to find. Let InsureMe help—simply
fill out one quick application to receive free quotes from local
insurance agents...almost faster than you can say "InsureMe!"