How Driving Habits Affect Your Insurance Rates in Ohio

Many factors can affect the cost of auto insurance, including how often you drive and what you do while behind the wheel. Jerry L. Payne Agency LLC can help you learn more about these factors and better understand your coverage choices.

The Impact of Driving Behaviors on Insurance Rates

Insurance companies may review your driving record when determining your rates. The following can influence what you pay:

• Speeding: Frequent speeding tickets may suggest a higher risk of future accidents and will likely lead to increased premiums. Even one violation may affect your rates, depending on the insurer.
• Distracted driving: Texting, using a phone or engaging in other distractions while driving can result in citations and may increase your rates.
• Accidents and claims: At-fault accidents and multiple claims typically lead insurers to view you as a higher-risk driver, which can affect your premiums.
• Safe driving practices: Following traffic laws and avoiding accidents can help you maintain a clean driving record. Depending on the insurer, safe driving may also help you qualify for lower rates or discounts.

Some insurers offer usage-based auto insurance policies, which involve an app or device tracking your driving to help carriers identify safe behavior or dangerous habits and may lead to discounted rates.

Other Factors That May Affect Your Insurance Rates

In addition to your driving history, insurers may also consider the following factors when calculating premiums:

• Annual mileage: Driving more miles may increase your rates.
• Vehicle type: Your vehicle’s features and repair costs can influence pricing.
• Location: Where you live may affect your premiums based on local risks.

We Support Ohio Drivers

Our team at Jerry L. Payne Agency LLC can review your driving history, explain how it may affect your premiums and identify discounts for which you may qualify. Contact us today to get started with a free customized quote.

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.