Suppose you are attempting to better your auto insurance rates and do not have a great driving record. In this situation you should research online car insurance rates based on your current driving record and find companies who help customers get a second change.
When you write your car insurance check every month you are probably wondering what in the world you can do to reduce your car insurance rates. It may seem to you that every year your rate goes up and sometimes this is true through no fault of your own; some insurance companies just raise their rates to keep up with inflation so that they can pay their own bills.
However, various aspects regarding your own driving record will be used to calculate your car insurance rates. While you may be familiar with what these aspects are and how they are used to determine your online car insurance rates, it is important to investigate this information in order to access your situation.
Moving Violations and Auto Insurance Rates
Typically, those of us who have one minor traffic ticket listed on our DMV driving record will not pay much higher auto insurance rates. If you run a stop sign or if you are caught speeding but only 5 miles over the speed limit, you may incur a minimal increase in your insurance rates. However, if you receive many moving violations and the violations are serious in nature, your insurance rates will skyrocket.
For example, if you are stopped for speeding and issued a citation the insurance provider will research how many miles per hour you were over the limit; 10 miles or less, between 11 and 15, or 16 and higher. As a general rule, the driver who was speeding at 16 or more will have higher insurance rates than a driver who was only speeding less than 10 miles over the limit. Additionally, if you are issued such a ticket once over a three year period, your rates will be less than someone who has been issued multiple tickets.
Major traffic tickets will negatively impact your car insurance rates across the board. Usually rate increases between 10% and 25% are common for DWI or DUI offenses. Consider the increase in your auto insurance rates for being cited not only for a couple of major moving violations but having a DUI in addition.
How Much You Drive
The time spent behind the wheel and the purpose for driving will normally impact your car insurance rates. The more time you spend behind the wheel the greater the chance you will have an accident. Long commutes to your job will increase your rates over drivers who have relatively short commutes to the office. Moving closer to your work may not be an option however you may be able to use your car less frequently by joining a carpool or finding a different way of commuting to your job.
In addition, if you choose to use your car in conjunction with your business your auto insurance rates will be adjusted. Insurance companies take this into consideration because of the additional risk involved and the possibility of having to settle a future claim. With auto insurance rates on the rise and there to stay, it is best to try all means necessary to reduce your online car insurance rates as low as possible.
About the Author:
Discover more essential car insurance information at http://online-car-insurance-guide.com a favorite auto insurance website for finding budget car insurance as well as how to save on high auto insurance rates.
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