Enter your ZIP code:

Auto Insurance Quote Heavily Dependent on Driver Behavior

by Penny M. Hagerman

 

Few people realize the effect their driving habits have on their auto insurance quote. But there's no denying the direct correlation between the two: the more responsible and reliable a driver's actions behind the wheel, the lower his insurance rate is likely to be.

The best way to get cheaper auto insurance is to take a look at driving actions. Once areas have been identified that need positive change, it simply takes time and conscious decision-making to form new driving habits and reduce risk.

 

Usage-Based Auto Insurance

 

Though insurance companies use a variety of factors to determine insurance rates, the way a person drives his automobile bears more weight than many people realize.

Because of this, some auto insurance companies are now instituting special programs that offer customized quotes based on how, how much, and when policyholders drive their automobiles.

In 2008, Progressive introduced a behavior-based auto insurance program in some states called MyRate, which uses a small wireless device to record vital driving information. Automobiles driven less often, in less risky ways and at less risky times of day can earn up to a 40 percent discount based on driving habits—in addition to a 10 percent signup discount just for participating in the program.

 

Tips for Lowering the Auto Insurance Quote

 

Since auto insurance companies closely follow driving habits when setting insurance quotes, let's look at some of the ways drivers can improve behavior behind the wheel—and earn lower rates as a result.

 

Tip #1: Drive Less

 

Because more time on the road leads to greater likelihood of accident or injury, fewer miles driven annually generally means a lower auto insurance quote.

Until recently, auto insurers depended on annual mileage estimates provided by policyholders in setting rates based on miles driven. But recently, they've taken matters into their own hands and begun tracking mileage by one of three methods: odometer readings, auto service records or technical devices installed. They then offer lower quotes to those who do less driving.

 

Tip #2: Use Seat Belts

 

Studies show that drivers wearing seat belts are much less likely to suffer injury or death in the event of an auto accident than those who don't. 

This fact was recently reinforced, as law enforcement "buckled down" on those who weren't buckled up. According to the Insurance Journal and the National Highway Traffic Safety Administration, seat belt usage reached a record high of 83 percent in 2008—and auto fatalities among drivers in seat belts declined an average of 10 percent in 40 states during the same one-year period.

 

Tip #3: Avoid Distraction

 

Distractions like eating, drinking, talking, texting and tuning a car radio contribute to more than half of all car crashes in the U.S. Drivers who participate in dangerous behaviors like these experience shortened reaction time and higher auto accident and death rates.

Any kind of distraction can impact safe driving and insurance rates. To minimize the risk distraction presents, drivers should avoid any behavior behind the wheel that diverts their attention from the road.

List of Articles
No. Subject Author Views
85 Rental Car Insurance: Do You Really Need It? youcomparequotes 17576
84 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 17901
83 Getting the Cheapest Car Insurance in Your State youcomparequotes 16841
82 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17215
81 How to Get Discount Auto Insurance youcomparequotes 17656
80 Insurance for Van Lovers youcomparequotes 17323
79 Car Insurance That Fits Your Needs youcomparequotes 17057
78 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17241
77 Getting Insured with an Online Auto Insurance Quote youcomparequotes 18119
76 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17062
75 How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19288
74 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17641
73 Auto Insurance from InsureMe youcomparequotes 17560
72 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 17914
71 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18309
70 Buying and Insuring a New Car youcomparequotes 16690
69 Compare Auto Insurance Rates youcomparequotes 17029
68 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16531
67 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16630
66 The Car Insurance Quote & Ratings Factors youcomparequotes 17116
65 What's Behind Your Auto Insurance Quotes? youcomparequotes 17243
64 How Cheap Car Insurance Can Save You Money youcomparequotes 16497
63 How to Reduce Car Insurance Prices youcomparequotes 17094
62 Getting Insured with Free Car Insurance Quotes youcomparequotes 17314
61 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16578
60 Auto Insurance Cost & Your Ride youcomparequotes 17110
59 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16899
58 How to Get the Cheapest Car Insurance youcomparequotes 16803
57 Selecting a Car Insurance Company youcomparequotes 17510
56 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17117
55 Get the Best Car Insurance Rates Around youcomparequotes 17358
54 Factors That Affect Your Car Insurance Quotes youcomparequotes 16380
53 Child Safety Belts Keep Kids Safe youcomparequotes 17060
52 Speeding and Car Insurance Rates youcomparequotes 16758
51 Not At Fault Car Insurance & Accidents youcomparequotes 16900
50 State Auto Insurance Becoming Available youcomparequotes 17179
49 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17632
48 Car Insurance & Roommates or Family Members youcomparequotes 17214
47 PIP and No-Fault Auto Insurance Reform youcomparequotes 16909
46 PIP and No-Fault Auto Insurance Reform youcomparequotes 16813
45 SUVs: Minor Collision, Major Damage youcomparequotes 17357
44 Severe Weather Driving Tips youcomparequotes 17082
43 Avoiding Aggressive Drivers youcomparequotes 17978
42 Safety Tips & Car Insurance for Teens youcomparequotes 17060
41 Insurance for Cars: It's Your Choice youcomparequotes 17018
40 Car Insurance Quotes Save You Money youcomparequotes 17079
39 Finding & Comparing Auto Insurance Specialists youcomparequotes 17933
38 Safety Features Save Lives & Money youcomparequotes 16830
37 Curbing Auto Insurance Prices youcomparequotes 16377
36 Teen Auto Insurance youcomparequotes 16653
35 Car Insurance: Your Questions Answered youcomparequotes 16580
34 How to Buy Car Insurance youcomparequotes 17346
33 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16623
32 Truck Insurance for Your Pride & Joy youcomparequotes 16411
31 How Insuring a Used Car Can Save You Money youcomparequotes 17238
30 All-in-One Policies Insure Car & Home Together youcomparequotes 17114
29 Credit Scores & Car Insurance youcomparequotes 17760
28 Classic Car Insurance Protects Your Relic Ride youcomparequotes 16272
27 Reducing SUV Insurance Rates youcomparequotes 16801
26 Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17316
25 How to File an Auto Insurance Claim youcomparequotes 16954
24 Avoiding Deer Collisions While Driving youcomparequotes 17424
23 Cheap Auto Insurance through Safe Driving youcomparequotes 16748
22 Auto Insurance Basics That Save youcomparequotes 17177
21 It's Official - Men Are Terrible Drivers youcomparequotes 18666
20 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17428
» Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 16951
18 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17207
17 How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 16962
16 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17332
15 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16777
14 Your Options in Motorcycle Insurance youcomparequotes 16790
13 The Advantages of RV Insurance youcomparequotes 17167
12 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34672
11 Insuring Your Teen Driver youcomparequotes 16938
10 The SR22 & Car Insurance youcomparequotes 16434
9 Auto Insurance & Generic Parts youcomparequotes 17141
8 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18264
7 Drowsy Drivers, Wake Up! youcomparequotes 16433
6 Cheap Car Insurance Protection You Deserve youcomparequotes 17799
5 Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17229
4 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21300
3 Buckles: Use Them for Safety, Not for Show youcomparequotes 16747
2 Auto Insurance Quotes youcomparequotes 17207
1 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17344
XE Login