In order to obtain and keep low auto insurance premiums you should remain free of claims. Normally trivial losses might increase your insurance rate almost as high as a total loss since each claim is an evidence of your driving skill. The view-point is that if negligence brought a limited loss at this occasion, it may turn out to be a much larger loss next time.
Remember that you should protect yourself from other motorists’ bad actions as well. A few small claims is the result of contact with other vehicles. Large number of them are not full-blown crashes of sort. This may be because large amount of motoring activity occurs in city traffic where you can not speed much. To avoid these claims you want to take your time and do not get frustrated. There are many participants on city streets and you need to be aware of all of them such as pedestrians and motorcycles.
In certain neighborhoods vandalism and auto theft is quite high and as a result insurance rates would be higher. It might be sensible to install additional security features particularly in those neighborhoods. Stealing of car stereos is very common occurrence in certain parts of the cities. They might sell the goods they have stolen for next to nothing. But they would not care to cause hundreds of dollars of damage to your car; breaking glasses, ripping off wires and going through compartments. In addition, do not leave any valuable items in your car. Essentially make sure that your vehicle is well secured.
Car accident injuries may turn out to be considerable claims. You may have thought that you just caused bumper damage, but your insurance company may receive high hospital bills for treatments to other drivers and passengers. Neck and back complaints are the main ones. Regularly check and maintain the distance between cars. If the car behind is following you too close, gently slow down and extend your distance from the car in front. When possible let them take over you.
Particularly on rural roads pay attention to animals, since a collision with an animal would result in large damage to your vehicle. Try not to get frustrated whilst driving. That usually leads to mistakes and crashes.