Driving is a main way of people getting around today, but are you aware that your driving habits as well as the habits of other drivers contribute to the overall increase in costly insurance premiums. With so many people having to change companies leaving carriers they had since the day they bought their first car due to the excessively high premiums. It’s nothing to laugh at premiums are running people at least $125 or more a month and several thousands of dollars a year. Do you find that changing your driving habits may lower your premiums and the overall average of insurance premiums around the country? It might help because rates continue to skyrocket all over the country and what is causing that is the driving habits of people. You might want to change a few things if you want to have cheaper insurance and lower premiums.
Commercial vehicles are the biggest culprits for higher insurance premiums due to the fact they have to be out on the roads a lot and many of these companies also don’t check the drivers using their vehicles either. Many drivers of commercial vehicles could be doing things they wouldn’t necessarily do in their own cars because they’re not paying for the insurance on the work vehicles they use. Some drivers can be seen texting on cell phones when it doesn’t apply to their jobs and even drinking behind the wheel. Many companies don’t know these things until someone reports a driver doing that, but this is something that isn’t established when the person is hired that certain driving habits won’t be tolerated. This is why so many companies have to check the driving histories of their employees to know they’re responsible behind the wheel, but those who are functional alcoholics can do enough to skirt detection, but they still pose a risk on the road with their drinking.
People who text behind the wheel are the biggest risks to roads in America today because they contribute to a good number of accidents due to them being distracted and not paying attention to what’s around them. Yet states are passing stricter laws to combat this growing problem and yet people still think they can text and drive at the same time when it’s been shown they can’t. Reckless driving is a problem too because you have people who drive carelessly on the roads and streets and are often in multiple accidents due to them speeding or driving dangerously putting other drivers and pedestrians at risk this is an issue with cab drivers who drive recklessly failing to use any signals or demonstrate safe techniques when driving in high traffic areas.
Regular everyday people who are often distracted with cell phones and rowdy children in the car are also risky because many accidents are now as a result of people being distracted. Running red lights, failing to yield at a stop sign (coming to a complete stop not a California roll),turning while pedestrians have the right of way, cutting off cars on the expressway and streets to save time, and not watching where you are going are all habits that is driving up the cost of insurance. If people actually realized these habits are dangerous and changed some of their habits they will see a decrease in premiums and costs annually and monthly. Teen drivers need to realize that insurance will be high for them until their 25th birthday and seniors are also a risk to drive with since many of them shouldn’t be behind the wheel anymore especially if they’re having vision problems.
Many states are not cracking down on senior drivers who should not be behind the wheel especially those who are visually impaired and suffering from cognitive functions like dementia or Alzheimer’s to where it can impair their judgment. Insurance companies review the driving habits of their customers (by state) simply by reviewing their history of moving violations and accidents. This data is what decides how much your premiums will be because it will put you in the category of being a safe driver or high risk driver. That’s essentially giving you an idea as to what you will face if you’re not driving safely and using common sense behind the wheel.
In recent years Chicago has seen an increase of people coming up from the south driving and drivers who come from other states not adhering to speed limits on the expressways of Chicago often cause accidents because they’re driving how they’re used to where they’re from. With some of the states that have increased their speed limits may want to consider lowering it because speeding also drives the cost of insurance up with the wrecks that happen due to people driving at dangerous speeds on the streets and roads.
If you want your insurance bill to go down change your driving habits by not speeding, driving the speed limit, adjust driving habits for weather, drive at a safe distance, obey traffic laws, and watch for pedestrians and bicycles. The smallest changes can result in cheaper insurance rates statewide and across the country and it will help laws to make it so that people who don’t want to drive right will be held accountable.