Avoiding Auto Insurance Hikes By Curbing Aggressive Driving Behavior
Aggressive driving is a serious problem for many drivers. Less time is afforded to other cars on the road when aggressive drivers decide to act impulsively, switching lanes and cutting off other vehicles. This irrational behavior generally provides a dangerous atmosphere for every car on the road. Worst yet, many aggressive drivers don’t even realize when they’re being inconsiderate or dangerous. You might have aggressive driving behaviors that come out at various times when you’re behind the wheel. You could be stressed out or you could have had a bad day. These situations can lead to an increase in your auto insurance rate if they result in a ticket or claim against your policy. So, the best course of action is to curb your driving behavior before your premiums jump.
Sometimes, aggressive behaviors are very subtle. Drivers who speed and switch lanes without using their blinkers certainly endanger other drivers. Avoid these behaviors by paying attention to how you drive. It’s important to consider whether you’re giving other vehicles enough time to react when you go to switch lanes or take an exit. Additionally, it can help to avoid excessive speeding, even to keep up with the flow of traffic. A single citation on your record could result in a huge increase in costs the next time you go to look for auto insurance quotes. Also, get into the habit of looking at every road sign and reading it carefully. Doing so will help you to avoid potentially dangerous situations.
Drive defensively. This requires giving other drivers respect and room. Make sure you’re not following any cars too closely, and don’t suddenly try to pass a vehicle that’s not moving fast enough. Gradually increase speed – never jam on the gas pedal. This saves you gas, puts your car through less stress, and decreases the chance of an auto insurance claim. Always stay focused on the road, and know every driver around you. Use your mirrors often, and never assume that another driver is going to act in a certain way. For example, when a driver is turning, wait until his wheels turn, don’t trust his blinker, or you could drive straight into a collision.
If you are involved in an accident or issued a citation due to aggressive driving, call your insurer. Find out if you’re able to take a defensive driving course to get lower rates. These are often free, only take a bit of your time, and can save you hundreds of dollars over the course of a year. You’ll also pick up some more great tips that can help you avoid that next insurance claim.
Auto insurance is expensive, but you can minimize your premiums by curbing aggressive driving behavior.