Getting a good car insurance quote requires hard work. You have to shop around for the best price and also be financially strong and have good credit. Good driving habits also helps you get a good quote from auto insurers. Just learning the basics of road etiquette and safe driving will save you money and stress when you are on the hunt for affordable auto-insurance. Most young drivers can’t help variables like their age and state which also impacts car insurance quotes. However they can control how they drive. Avoid these three classic mistakes and you might just beat the odds and get a reasonable quote.
Tailgating
When you first start driving, always remember to leave some breathing room between your bumper and the rear of the car in front of you. Tailgating or following other vehicles closely is not only distracting to other drivers but it can cost you if you ever get caught. Data shows that tickets for tailgating might increase your monthly auto insurance premiums by up to 9 percent in Florida. Though there is no evidence about how much premiums go up for other bad driving habits, you should also avoid texting, emailing or talking on the phone while you’re driving to avoid getting a violation.
Speeding
Speeding tickets cost penalties and fees and can really harm your chances of getting a good quote on car insurance. Most auto insurers add charges to their quotes when you have a traffic violation. This amount usually depends on how serious the violation was, state law where the violation took place and the insurance company’s own policy.
DUI (Driving Under the Influence)
A DUI or a drunken driving conviction is the auto insurance company’s biggest red flag. Many insurance companies will not offer you any insurance at all. If you do get hit with a conviction, some insurers fill a form called an SR-22 on your behalf in accordance with State law. This is to prove that you are insured. However, the chances of getting an affordable quote with a DUI are next to nil. You’re better off avoiding drinking and driving altogether. It’s irresponsible and puts you and others on the road at risk.