Improve Your Insurance Premiums
By Improving Your Safe Driving Habits

We all know safe driving helps keep everyone on the road free from harm—but it also contributes to cheap auto insurance rates. What most people don't know is how to go about finding a cheap auto insurance company that will give them the best rates possible.

But InsureMe knows how—and we work hard to help you find that cheap auto insurance policy you need. We work with some of the nation's top insurance carriers that examine your needs, take a look at your driving record and compete to offer you the cheap auto insurance you are looking for.

Put your need for cheap auto insurance in the capable hands of InsureMe today!

 

Cheap Auto Insurance: Costly Behaviors to Avoid

Aggressive or reckless driving, speeding and driving while impaired can skyrocket the cost of your auto insurance. Cheap auto insurance can be hard to come by—but there usually are companies out there willing to insure you.

Let's examine each of these costly behaviors and the toll they can take on annual auto insurance premiums.

Aggressive Driving

The National Highway Traffic Safety Administration (NHTSA) defines aggressive driving as "the operation of a motor vehicle in a manner that endangers or is likely to endanger persons or property." A substantial portion of the approximately 6,800,000 crashes occurring in the United States each year are caused by aggressive driving.

Aggressive driving includes a range of less serious offenses, such as reckless driving, and does not necessarily imply willful or wanton disregard for the safety of others, according to the NHTSA. But driving aggressively can make finding cheap auto insurance difficult.

Typical aggressive driving behaviors include passing on the right shoulder, tailgating slower drivers, weaving in and out of traffic, making obscene gestures toward other drivers and flashing the lights or honking the horn in non-emergency situations.

Drivers who engage in these types of behaviors are high-risk, high-frustration roadsters who seldom consider the consequences of their actions and routinely disobey the laws of the road. This makes getting cheap auto insurance a challenge. In fact, these behaviors cause increased auto insurance rates across the board, due to higher insurance claim rates and medical bills resulting from accidents.

The NHTSA recommends these suggestions to limit your liability, keep our roadways safer and make getting cheap auto insurance easier:

• Keep your cool in traffic, remaining patient and courteous toward other drivers.
• Correct any of your own aggressive driving behaviors that might endanger, antagonize or provoke other motorists.
• Reduce your own stress while driving by allowing yourself plenty of time to get where you are going, avoiding areas of heavy congestion and listening to relaxing music.
• Support law enforcement efforts to identify and penalize aggressive drivers.
• Report dangerous or aggressive driving to a community witness "tip line," if one is available.
• Keep your eye on the road and avoid making eye contact with, or responding to, anyone who tries to "pick a fight" while driving.

In an effort to control outbreaks of aggressive driving, many communities are now assigning more traffic police in areas where aggressive driving is more commonplace. Ticketing is also becoming more frequent, raising insurance rates and making cheap auto insurance harder and harder to find.

Speeding

Speeding is perhaps the most common moving violation—and the most deadly.

"The faster you go, the more deadly it is," says Jeanne Salvatore, spokeswoman for the Insurance Information Institute (III), an industry trade group. "There's a higher possibility you're going to cause a lot of damage to people or property [while speeding]."

According to an 2006 MSN Money article, the National Highway Traffic Safety Administration (NHTS) found that speeding accounts for one-third of traffic fatalities.
 

Cheap auto insurance has become difficult to acquire because speeders endanger everyone on the road when they are running late, not paying attention to their speed, enjoying a new car or just enjoying driving fast—resulting in death and injury.

The biggest financial hit from speeding tends to come from the insurance company, not the judge. The same MSN Money article also states that auto insurance companies may increase premiums by as much as 50 percent for one speeding ticket in a three-year period (although not all insurers penalize consumers for a single speeding ticket).

Following the citation of speeding tickets, auto insurers may also attach a temporary surcharge to previously cheap auto insurance policies for up to three years—thus initiating the financial fallout. In the end, speeding tickets tend to stay on your driving record (and increase your premiums) for three years, after which cheap auto insurance may be more easily acquired.

Have a few too many speeding tickets on your record? Try traffic school. MSN Money says that some states offer traffic courses for drivers with minor speeding violations. Six to eight hours later, your speeding conviction may be wiped clean, hidden from the eyes of employers and insurance companies. Check with your state for details—but this option may be a helpful tool to help you qualify for cheap auto insurance.
 

Driving While Impaired

Drunk drivers, those who have used or abused drugs and sleepy drivers behind the wheel are a disaster waiting to happen! Motorists need to stay alert day and night to keep driving response times at a minimum and avoid endangering lives.

According to the Center for Disease Control (CDC), alcohol-related crashes kill someone every 31 minutes—and cost the U.S. over $50 billion annually. The CDC estimates that drugs other than alcohol (like marijuana and cocaine) comprise about 18 percent of motor vehicle deaths.
 

Having trouble finding cheap auto insurance?

Despite the abovementioned high-risk driving behaviors, cheap auto insurance isn't impossible to find. Let InsureMe help—simply fill out one quick application to receive free quotes from local insurance agents...almost faster than you can say "InsureMe!"
 

Contact us today…and drive safely tomorrow.

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