Driving in Atlanta is always a bit of an adventure. Narrow streets, roadwork, limited parking, and, of course, figuring out how to survive Atlanta traffic! Perhaps even more intimidating than driving in the city is car insurance. It’s important to learn about car insurance so that you can answer common car insurance questions, but you might dread thinking about auto insurance because the rates can be so expensive. But there’s a simple, easy way to save on your car insurance – driving safe. We’ll give you five car-insurance-related reasons to be a straight-A driver.
1. Your car insurance premium is directly related to your driving record.
When an insurance company goes to give you a quote on your car insurance, they look into your driving record. They’ll most likely check your record for accidents and tickets from the past three to five years. From your record, they’ll determine how much of a risk you and your family are to insure. The higher a risk you are, the more you’ll have to pay for insurance. Insurance companies consider accidents and tickets to be risky because statistically, drivers with tickets and accidents will have more tickets and accidents in the future.
2. If you have no tickets or accidents, you might be able to get lower quotes when you shop.
If you have good driving habits and have a clean record, your premium will reward you and you’ll end up paying less for your auto insurance. The quotes you’ll receive from auto insurance companies will be lower – you may even be pleasantly surprised!
3. After a few years of good driving, you may be able to get a discount on your rates.
If you go for a good amount of time with no tickets or accidents, you could qualify for a discount on your auto insurance rates (depending on your carrier, of course.) Insurance companies like to reward drivers who drive safely. The fewer claims you have, the better. You want to present as little risk as possible to the insurance company, and that means no accidents. And that means no distracted driving, speeding, drowsy driving, or other risky driving behavior. Sure, we can’t control the actions of other drivers on the road, but we can control our own actions. And that means making conscious choices to be a safer driver and avoiding distracted or unsafe driving.
4. By safe driving, you might be able to qualify for accident forgiveness.
Usually, having a car accident would make your rates go up – insurance companies don’t like risk, remember? If you’ve had a clean driving record for a good amount of time, your carrier might allow you to have accident forgiveness. That means that if you do happen to have a car accident, your rates would not go up. Ask if your carrier has accident forgiveness.
5. Depending on your insurance company, you may be able to lower your deductible.
The deductible is the amount that you agree to pay if you have a claim before the insurance company will step in to help you cover costs. Of course, this all depends on your insurance company. But if your company does allow you to lower your deductible for having a clean driving record, that means less money out of your pocket if you ever have a claim.
Being a safe driver and keeping your full attention on the road is important to help you avoid a car accident. This is your health and life that we’re talking about, along with the safety of other drivers on the road. Apart from preventing accidents and injuries to yourself and others, being a safe driver can help you save on your car insurance. So, as you can see, there are many reasons to be a careful driver and avoid risky driving when you get behind the wheel.
Looking for a car insurance quote in Atlanta? We would love to help you get the car insurance you need so you can hit the road with peace of mind. All you have to do to get in touch with one of our insurance agents is fill out our online quote form or give us a call today – we’d be happy to help you with all of your insurance needs!