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How to Avoid High Car Insurance Premiums

Drive Defensively to Prevent High Car Insurance Premiums

According to the National Highway Traffic Safety Administration, there are over six million car accidents in the United States each year. When you are involved in a car accident and deemed at fault, a cost will be added to your insurance premium. By following traffic laws and driving defensively, you can prevent your car insurance policy’s premium from increasing. Learn about the unsafe driving habits to avoid while navigating the road. 


Speed limits are posted along the road for a very good reason. Drivers are given a maximum speed in which they can travel in order to reduce potential accidents and operate safely in certain zones or conditions. Having a posted speed also regulates the flow of traffic. Despite the consequences of speeding, people still choose to drive fast for various reasons. They may be running late, not paying attention, or trying to weave around traffic. People who choose to speed put themselves and others on the road at risk of a serious accident. Causing an accident as a result of speeding can also negatively affect your car insurance premium as can receiving a ticket for violating the rules of the road.

Distracted Driving

Failing to focus on the road because of a distraction can lead to a dangerous situation. While driving, drivers may take their eyes off the road to change the song on the radio, send a text, reach for something that may have fallen, look up or read directions, eat or drink, converse with another passenger, and more. These distractions can result in a severe accident, causing major vehicle damage as well as serious injuries. 

Aggressive Driving

Aggressive driving refers to when a person operating a vehicle deliberately engages in unsafe driving behaviors, thus endangering others who are sharing the road. Forms of aggressive driving include weaving, tailgating, speeding, changing lanes abruptly without using a turn signal, failing to yield, passing illegally, running red lights, and more. Not only is aggressive driving a serious traffic violation, but it can cause an accident, resulting in devastating consequences. 

Driving Under the Influence

Driving while under the influence of alcohol or drugs can significantly affect a driver’s judgement and ability to operate a vehicle. Their reaction time is slowed, they have poor coordination, and they lack concentration. A person who selfishly gets behind the wheel and drives while under the influence puts others at risk of injury or even death. If charged with a DUI, the driver may be fined as well as have their license suspended. Drivers with a DUI on their driving record can almost always expect to pay higher rates for insurance due to their previous behavior. 

For Questions About Car Insurance, Contact Nickerson

Car insurance is an invaluable investment and taking a defensive approach when driving can prevent your rates from increasing and prevent serious accidents from occurring. If you have questions about insurance premiums or are interested in finding a cost-effective policy for your budget, contact the trusted insurance agents at Nickerson Insurance Services, Inc. We are dedicated to providing our clients with the best possible insurance at a competitive price.

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