Why Cheap Insurance and Good Driving Go Hand in Hand

Maybe when you were young, the thrill of fast driving and the desire to be a daredevil overrode the need to avoid a ticket. Now that you are older and have to live within a budget, you are probably more concerned about the finding cheap insurance. One of the easiest ways to save money is by being a good driver.

No Tickets Equals Cheap Car Insurance

Drive within the speed limits wherever you go and you will benefit every time you pay your insurance premiums. Most insurance companies charge higher rates if you have a speeding ticket on your record. Some companies are willing to forgive the first violation, but will increase rates if you have more than one.

But what if you already have a ticket on your record? You can ask if taking a safe driving course will help reduce your rates. Even if your premiums are not what they would be without the traffic violation, you may still be able to save some money.

No Accidents

Another way you can save money as a good driver is by not having any claims on your record. While you cannot prevent other people from driving poorly, you can be alert and pay attention so that you are not at fault in an accident.

Every at-fault claim that you have has the potential to increase your rates. Although it depends on how much the claim costs the insurance company, being found at-fault can prevent you from getting cheap insurance for several years.

On the other hand, you can also be rewarded for being accident-free. Many insurance providers offer you special discounts if you remain accident-free for a period of time. For some companies, they may start giving you benefits after one or two years that continue to increase the longer you remain claim-free.

It's Never Too Late

Claims and traffic tickets only stay on your record for a limited time. Once they drop off, you may find that you qualify for lower rates again. Even if you have made mistakes in the past, they don't have to impact your future indefinitely. With time, you may find that you can save money and get the best rates. Begin planning now for the day when you can once again qualify for cheap insurance. Make sure you follow the rules of the road and pay attention to the way you drive.

Here are a few tips to help you be a better driver:

    » Remove all distractions that take your focus off the road.

    » Shut off your phone or use hands-free communication.

    » Review rules of the road and stop any bad habits you have.

Even if you have a bad driving record today, you can work on turning it into a good one and save money with cheap insurance. If you already have an almost perfect record right now, work hard to keep it that way. You probably enjoy the best rates and want to continue to qualify for them. You can end up saving hundreds of dollars on your insurance rates in just one year simply by driving safely.

Does Your Credit Impact Whether You Get Cheap Insurance?

You may have heard that insurance companies now use credit reports in part to determine your rates. You wonder why your credit makes a difference and how much impact your credit score could have on your monthly car insurance premiums. This is an important concept to understand to help you get the best deals on insurance quotes.