A good driving record is one of the main components of getting good deals and discounts on auto insurance. Every auto insurance company likes to see a clean driving record, as it usually signifies a safe driver, and a safe driver usually means fewer insurance claims. Most auto insurance places will give discounts for a good driving record, which means lower auto insurance quotes and a better overall deal for the driver. One of the ways you can have a clean driving record is to use basic safe driving practices while you're out on the road. You can control every aspect of what goes on while you're out there, but you can control how you drive and makes sure no accidents happen because of you.
Some of the more obvious safety tips to keep your auto insurance low involve speed and alcohol. Drinking and driving is a dumb move under any circumstance, and if you choose to do it you stand to lose a lot more than just your low auto insurance rates. Sometimes, speed can tie into drinking and driving, but many drivers don't seem to need alcohol to be a little heavy on the gas pedal.
With or without alcohol, speed likely causes more accidents than any other factor. Speed limits exist for a reason, and driving like the road is dry and clear when it is soak with rain or caked with snow is always a bad idea. If you stay within the speed limit and modify that speed according to the road conditions, you'll minimize most of the issues associated with excess speed.
These days, distraction is another safety issue that could end up with you paying more for auto insurance. There is always the 'out the window' kind of distractions that draw people's attention away from the road, but now mobile devices can make the problem even worse. Driving and talking on the phone or driving and texting are two ways that your attention will be taken away from the task at hand. If you reflexes are slowed even the tiniest bit, it could mean the difference between stopping in time or smashing into the car ahead of you. Some places issue fines for mobile device use while driving, but even if there is no fine, an accident will surely cause your auto insurance to jump.
Other elements such as following too closely, seatbelt use and general aggressive behavior on the road are also important in the safety and auto insurance debate. And even though you really can't control everyone, it's wise to keep an eye on the other driver, just in case he or she does something unexpected and you need to react. Just because that light has turned red and you want to turn doesn't mean another car isn't going to whip through the intersection. Keeping your car topped up with oil and in good working order at all times is another safety tip that could end up saving you some money on auto insurance.
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With years of experience and a good driving record, why pay more for auto insurance when you have earned the right to pay less.
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