Many vehicle owners in Fort Wayne, Indiana, wonder how their driving behaviour affects their auto insurance premiums. Tom Steckler Agency presents this helpful guide to uncover the connection between your driving habits and insurance costs.
Your Driving Record Matters
Your driving record plays a pivotal role in determining your auto insurance premiums. At Tom Steckler Agency, we have found that drivers with clean records usually enjoy lower rates than those with violations. Instances like speeding tickets, DUIs, reckless driving citations, and at-fault accidents significantly increase your insurance costs. Make sure to drive safely and responsibly to maintain a clean driving record.
Track Record of Accident Claims
Insurance companies observe your track record for any accident claims filed in the past. If you’ve filed numerous claims, your risk level increases in the eyes of insurers, resulting in higher premiums. Where possible, consider paying out-of-pocket for minor incidents to avoid hikes in your insurance rate.
Defensive Driving Courses Can Help
Did you know completing a defensive driving course can positively impact your insurance costs? In Fort Wayne, Indiana, many auto insurance companies, including Tom Steckler Agency, offer discounts to drivers who complete certified defensive driving courses. Not only do you become a safer driver, but you may also be able to save on your premiums.
Lower Mileage, Lower Premiums
Lastly, the number of miles you drive annually affect your insurance rate. Less mileage often leads to lower premiums as it reduces the likelihood of accidents and wear and tear on the vehicle.
In conclusion, maintaining good driving behavior is beneficial in more ways than one. It presents a win-win situation – you stay safe on the road, while also keeping your insurance costs reasonable at the same time. So remember, drive safe and save with Tom Steckler Agency, the trusted choice for auto insurance in Fort Wayne, Indiana.
