How Your Driving Habits Affect Your Auto Insurance Rates

Your driving habits play a significant role in determining your auto insurance rates. Insurance companies in Arizona assess risk based on your driving record and habits. Here are some key behaviors that can influence your auto insurance rates:

• Speeding: Frequent speeding tickets signal risky driving, which can lead to higher premiums.
• Distracted driving: Using your phone or other distractions while driving increases the likelihood of accidents, making you a higher risk to insurers.
• Accident history: If you’ve been involved in multiple accidents, even minor ones, your rates may rise due to the increased chance of future claims.
• Traffic violations: Running red lights, reckless driving or failing to yield can all negatively affect your insurance costs.

Why Safe Driving Matters in Arizona

Arizona’s roads can present unique challenges, from busy urban streets to long stretches of highway. Safe driving keeps you and others safe and can help you qualify for insurance discounts. Many insurers offer reduced rates for drivers with clean records or those who complete defensive driving courses.

How ABC Insurance & Financial Services Can Help

Ready to review your policy or explore new options? Contact us today to see how we can help you make the most of your safe driving habits and secure the best possible rates.

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.