If you’ve recently gotten an auto insurance premium quote and are happy with the amount you need to pay for the policy, then pat yourself on the back for being a good driver – because that probably has a great deal to do with your rate.

But your work isn’t over yet – because while you may have a great, low rate to pay this year, any number of little driving mistakes could work to increase the premium you must pay next year when the policy renews.

Avoiding Rate Increases

Some rate increases are unavoidable – like those that are spread amongst all policyholders equally rather than being determined by policyholder-specific data. Other rate increases have to do with age and marital status – things you either can’t help or don’t want to enter into solely based on how they affect your premium.

The last group of rate increases occurs as a direct result of your driving habits, and these are completely avoidable. In order to maintain inexpensive rates, try the following. Read the rest of this entry »