How does defensive driving help with your car insurance rates?
Non-defensive driving will always lead to imperfect driving record. Whether you’re only getting a parking ticket or you’ve caused a minor fender-bender, it’s almost guaranteed that you’ll get an increased insurance rate the next time you’ll receive a bill.
If you’ve always had a good driving record and you now got a violation, chances are you’ll face a 45% increase on your insurance premiums. That’s because drivers with clean records get a “good driver’s discount,” reducing their premiums up to 45%. But even with a minor violation, this generous discount will disappear into thin air.
So the next time you’re planning of changing lanes without signaling, think about how much money you’ll lose and ask yourself whether it’s worth it.
However, if you already have a tarnished driving record, you must not give up hope. Rather, start driving defensively now. If you manage to keep a clean record for at least three years, you may then be eligible for a good driver discount.
As soon as you know that your driving record is cleared, the best way to find cheap auto insurance is to contact an independent agency to compare insurance policies from different insurers. Bear in mind that no discounts are equal, so it’s best that you compare quotes between one company to another. Find out which company offers the best rate for your needs. So drive safely and shop around.
American Trust Insurance is an independent agency dedicated to helping you find the best auto insurance available anywhere in Miami. Get a free quote from us and give us a call. You may contact us at (305) 270-2220 or visit us at our office today.