Risky Driving Behaviors and Your Auto Insurance

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9 risky driving behaviors and how they affect your premium.

We tend to view auto insurance policies as fairly black and white. They are built around a few “what if” scenarios, and they are priced according to your age, driving history, deductible, type of coverage chosen, and the type of car or cars you own and drive. While other variables, such as the numbers of miles you drive or whether a car is for leisure or work, may change the cost of our annual premiums, we tend to think that this is all that is used to calculate premiums.

What we may not know is that insurance companies understand a great deal more than you might realize about the entire world of automobiles, driving, and human behaviors. They use a tremendous range of data and statistics to create the pricing structures used to ensure their policy holders. It is never a one-size fits all endeavor, and it is important for drivers of all ages to understand what goes into the creation of their policy and its rate.
For instance, statistics are used and assessed to determine what sort of behaviors contribute to the worst traffic incidents, and the following nine issues are what led, most often, to fatal accidents on American roadways in 2013:

1. Failure to keep in proper lane
2. Driving on the wrong side of the road
3. Failure to yield right of way
4. Not adjusting to road obstruction
5. Reckless or careless driving
6. Operating without required equipment
7. Overcorrecting
8. Improper turn
9. Not adjusting to road surface

Each of the 50 states actually has a specific cause that appears the most in reports. For example, in New York the most common cause is failure to keep in the proper lane while in Florida it is reckless or careless driving. So, the driver in Miami who has several traffic violations on their record for reckless or careless driving is likely to find their insurance rates heavily influenced by this issue.
However, as one report noted, “serious collisions are often a result of ordinary mistakes.” And though the numbers do indicate that this is the case, there are also a few less ordinary issues that can lead to fatal accidents too. For example, road rage is noted as being a cause of fatal accidents in some states, as is police pursuit, erratic lane changing, and failure to obey signs.

Naturally, drunk or impaired driving accidents are far from ordinary mistakes, and many states are at risk for drivers causing fatal accidents while somehow under the influence. Speeding also plays a huge role in fatal accidents along with major weather issues such as snow, rain, wind, fog, and sleet or hail.

What does this information mean for the driver in Miami or the car owner in the Midwest? It means that awareness of the risks to you in each state can go a long way towards reducing the chances of a fatal or serious accident. Take the time to discover which types of risky driving behavior occurs the most in your state, and always keep a watchful eye for it. For instance, drivers in Florida need to be far more mindful during periods of fog and windy weather as these are the conditions in which most fatal accidents occur.

Though you cannot always avoid the riskiest driving situations, you can take active steps to have the safest drive possible. Know the causes of fatal accidents, and remind yourself to avoid becoming a statistic. Most accidents are avoidable with care and caution, and your insurance policy rates will be a direct reflection of how successful you are at avoiding risky driving behaviors.

To learn more about auto insurance in Miami, and for a free consultations, contact the Avante Team today .