Car Insurance Company in Hialeah Gardens, FL, Discusses Distracted Driving and Premiums
Hearing the phrase “distracted driving” and instantly thinking of texting while driving is entirely normal. And yes, that is a distraction on the road. But a car insurance company in Hialeah Gardens, FL, wants you to know about other kinds of distracted driving. These other distractions include visual, manual, and cognitive distractions.
Distracted Driving and Quotes
It may seem odd for a car insurance company in Hialeah Gardens, FL, to look at as a reason for higher rates, but it’s something they do consider. Some insurance companies will look at your driving record when you ask for new car insurance and get a quote. This is called a Motor Vehicle Report (MVR). This cool record tells insurance companies about your driving experience so they can give you a good quote. Anything from traffic tickets to crashes could be on your driving record.
Accident History
If these reports show that you’ve been in accidents in the past, which may or may not have been caused by careless driving, you may be more likely to get into an accident again. Because of this, car insurance companies may charge you more for your car insurance policy because they think that you are more likely to have an accident in the future.
Traffic Violations
Car insurance companies look at your driving record to see how many tickets you’ve gotten for things such as speeding, being sidetracked, and more. Companies like Del Toro Insurance may see you as more of a risk if you’ve gotten multiple tickets for these dangerous driving habits. This could mean that you have to pay a higher price.
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