Car Insurance costs can vary greatly from person to person. Insurance providers look at everything from your driving record to how old you are, in order to evaluate how much it will cost for you to be insured.
Some aspects are out of your control or not easily changed, such as your age, gender, or the type of car your drive.
Other aspects you can control, like the choices you make as a driver. Luckily there are some simple things you can do to be a safe driver and keep your health insurance costs down.
Click it or ticket
This is not the first time you have heard this folks. Wearing your seatbelt is by far one of the simplest decisions you can make to keep yourself safe. Make sure all your passengers are wearing their seatbelts as well to ensure safety.
You can get a ticket for not wearing your seatbelt. Just like any other traffic or driving violation, your insurance provider will be notified and it could impact your car insurance rates. Not wearing your seatbelt is seen as a risky behavior and risky behaviors cost more to insure.
Don’t text, snap, tweet, instagram, ect… while driving
On any given day you will probably pass by many drivers looking at their phone. You’ll see the ones who think they are being sneaky about it and the ones who just don’t care who sees.
Making the decision to look at your phone while driving is putting everyone in your car, on the road, and yourself at risk. It takes away most of your attention from the road, and can result in serious consequences. One consequence would be an increase in your car insurance if you were pulled over and ticketed.
Don’t drink and drive
This is one of the rules of the road you learn far before you are even old enough to drive. Drinking impairs your ability to concentrate, react, and sometimes make well thought out decisions, all of which you need to be a safe driver.
If you know you will be drinking, have a plan beforehand. Designate a place to stay, have a designated driver or call an Uber. Know your limits, if you are questioning whether you should drive or not, play it safe and find a ride.
This one may seem obvious but we have all seen the person driving down the road, on their phone while eating a cheeseburger, right? Don’t be that person, let any distractions, even if its other passengers in the car, wait until it is safe to adress (or consume).
Follow the rules of the road
Stop signs, speed limits, traffic lights, and turn signals are all there for a reason. They were not created simply to take away your fun or slow you down, they were created to keep you SAFE! Follow their instructions.
Being pulled over for traffic violations will increase your car insurance costs and put you and other drivers in danger. So if you need to take out your state driver’s manual you studied so hard when you were 16 and give yourself a little refresher course on how to follow the rules of the road, do it!
Link-Hellmuth Insurance has a goal to find you the best car insurance in Springfield Ohio at the best price, but even more so wants to keep you safe in your car! You will be rewarded for making these simple safe driving choices not only with your safety, but lower car insurance costs, and that sounds like a win-win for everyone on the road!