Reader’s Question:
What are the things that can cause my car insurance rates to increase? My friend here in Savannah, Georgia recently got some traffic violations which she told me caused her rates to balloon. Any information is appreciated, Thanks!
Macy
Savannah, GA
Hello Macy! Your car insurance rates are based on several factors of which some are controllable and some are just beyond your area of influence. One of the biggest factors that can affect how much you pay for your vehicle’s insurance would be your driving history. Sure, its quite obvious that if you are proven to be guilty or at-fault in in a car accident, your car insurance premiums would climb but did you know that even the simple involvement in a car accident can also make your insurance rates higher. Getting a lot of traffic tickets and moving violations would cause your rates to skyrocket.
Other reasons that may cause your car insurance provider there in Savannah, Georgia to increase rates would be an increased trend in crime/ theft rates in your area. If you have a brand new, more expensive vehicle that ranks among the most popular among thieves, or you have teenagers and first-time drivers added to your current policy, you can expect a higher premium as well. Also take care of your credit rating since this is used by car insurance companies as a measure of how responsible you are which could be taken into the same account as your driving habits. Gaps in your coverage will also raise a red flag with your provider so always make sure you have continuous insurance coverage.
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