Facts about Auto Insurance Rates

In 2019, auto insurance rates rose steadily each and every month until August, when rates began to fall until hitting a low of $989 in October, which remained nearly steady via the winter, rising to only $995 where it remained as of January 2020. It isn’t feasible to predict any pattern for auto insurance rates for future months and years, to ensure that frequent monitoring of costs and trends will be the greatest method to acquire the lowest rates.

The auto insurance marketplace is served by both national and regional insurers. There’s no method to suggest a single business or even a kind of business as every business utilizes various indicates of setting annual premiums for various scenarios Obtaining numerous quotes from dependable insurance businesses which are rated A or greater by A. M. Greatest is extremely suggested. Additionally, it’s advised to check the J. D. Power consumer satisfaction ratings for every insurance business like Rodney D Young Insurance

Discount Auto Insurance Premiums

Your auto insurance provider will, nevertheless, take issues like where you function, how old you’re and what organizations you belong to into consideration when they’re thinking about just how much they’re going to charge you for your insurance coverage. For instance, Chicago teachers have a much better chance of discovering inexpensive auto insurance than a chef or an artist. Why? Statistically, teachers have fewer accidents.

Discount auto insurance premiums vary based on the kind of automobile you’re driving, the ages of the drivers, and where you’re living. Maintaining a clean driver record will assist lower the price of auto insurance premiums. If you’re an extremely cautious driver and do everything you are able to steer clear of accidents or be cited in visitors violations, you are able to discover inexpensive auto insurance.

Distracted Driver Accidents are Raising Auto Insurance Rates

April is Distracted Driving Awareness month; it was previously only a week, but statistics are showing that accidents due to distracted drivers are increasing. Many wonders why it is getting worse when there are laws in place to deter drivers from picking up their smartphones while driving. Some say that the reason for the increase is that average miles driven per year have increased, and people are also much more tied to their phones now and can not ignore them when the little red light is flashing. Others say that our lives are much busier than they once were, and time spent in the car is looked at as free time to catch up on things which smartphones allow us to manage more tasks, including responding to emails. But time spent in the car is not a safe time to be distracted by the phone.

Risks of Texting While Driving

Texting while driving increases the risk of a crash by 23 times, reported a study done by the Virginia Tech Transportation Institute. There are many different causes of accidents, but there is a highly preventative one: picking up your cell phone while driving is entirely up to the person driving. It needs to have higher consequences, or more and more people may be hurt. It will also increase your auto insurance rates if you are involved in an accident while texting. It seems that distracted drivers are on the rise, which shows that the consequences for cell phone use while driving is not being combated with high enough fines.

Strategies against using a smartphone while driving

Citizensinsurance.net has partnered with Cellcontrol to provide a safeguard against using a smartphone while driving. They have introduced a new technology that limits mobile device activity while the car is moving. There is a free app that you can download, which is partnered with the device being plugged into the car’s OBD port, and it is ready to go. The technology allow users to block text messages, emails, certain apps, and phone calls when the car is in motion.

It also enables users to set up and send email notifications when the device is disabled or removed or if someone attempts to delete the app. This is a safeguard for parents with young drivers and will help teens to learn not to pick up their phones while driving. If a Bluetooth device is enabled in the car, there is an option to allow phone calls.

Texas has also launched a campaign aimed at reducing the number of distracted drivers by presenting a bill that would make it a criminal offense to text, read or write while driving. But it would allow drivers to text at a stop sign or use their phone for GPS. Gov. Rick Perry threw out this bill in 2011 as he felt it was “a government effort to micromanage the behavior of adults.” But with all the accidents being caused by the distraction of people, the rules should be changed, and people should realize the true harm that is caused by being distracted while driving. Distracted drivers affect everyone as drunk drivers do, and some say that they would like the penalties for distracted driving to be as severe as penalties for drunk driving as it is a choice made by the driver.

Compare Several quotes online

Online auto insurance rate comparisons are completely free to make use of. You are able to even do numerous comparisons at various dates if required. You can add-on good2go roadside assistance to your policy to avoid stress on your trip. With on-line rate comparison websites, you are able to effortlessly discover which businesses provide the greatest rates with out leaving your house.


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