Which Driving Habits Affect Your Auto Insurance Rate?

Your driving habits can affect how much you pay for auto insurance. However, while most people know this, they do not know what specific habits can cause the rates to increase or decrease. Here are a few of the habits which affect the price you pay for an auto insurance policy.

How Many Miles Per Year You Drive

The number of miles you drive per year can have a huge effect on the amount you pay for auto insurance. Someone who drives 5000 miles per year will pay less in to insure their automobile than someone who drives 15,000 miles per year. This is because you are more likely to be involved in an accident the more you drive. Therefore, the more you drive, the more your auto insurance bill will be.

If You Obey Traffic Laws

Speeding, running red lights, failing to stop at stop signs and other traffic infractions can cause your auto insurance rates to increase. Those who have good driving habits and have a great driving record will pay far less than those who one or more infraction on their driving record.

Who You Let Use Your Car

The last habit that can increase your auto insurance rates is who you let drive your car. Many auto insurance companies are beginning to exclude or include drivers on your car insurance policy, meaning you must list who uses your car. Allowing someone with a bad driving record access to your car can cause your rates to increase.

Are you looking to purchase a new insurance policy? Then contact Hanneken Insurance Agency Inc. serving the greater Little Falls, MN area. We can help you obtain the right auto insurance policy for your needs.