How Your Driving Habits Affect Your Insurance Rates 

Your driving record isn’t the only thing insurers look at when calculating your auto premium. The way you drive—how far, how often and how carefully—can also influence what you pay. Whether you’re behind the wheel every day in traffic or just making the occasional weekend trip, your habits can impact your rate more than you might expect.

Mileage and Frequency

One of the first things insurers consider is how much time you spend on the road. If you commute long distances or use your vehicle for business purposes, your risk of being involved in an accident naturally increases. Drivers with higher annual mileage often pay more than those who drive only a few times a week.

If your lifestyle has changed recently (such as working remotely or retiring), it’s worth letting your agent know. Driving fewer miles may make you eligible for a low-mileage discount.

Driving Behavior and Safety

Some insurance companies offer telematics programs (which use a smartphone app or plug-in device) to track these habits over time. When these devices are used, your behavior behind the wheel plays a significant role in determining costs. Sudden braking, hard acceleration, speeding and distracted driving can all raise red flags. However, in many cases, safe driving through one of these programs can lead to a lower rate.

Even if you’re not enrolled in a monitoring program, violations like speeding tickets or at-fault accidents will likely be reflected in your rate during renewal periods. On the other hand, a clean record over time can open access to safe driver discounts or more competitive pricing.

Learn More

Cinco Seguros can help you understand how your current driving habits may influence your auto insurance rate, and what changes might help. Contact us at our Dallas office today to review your policy and explore ways to save without compromising coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.