Generally, individuals with several accidents on their driving record pay higher auto-insurance rates than people with clean driving records. However, there are ways that a driver who has had several accidents can start to earn lower auto-insurance rates. Here are a few suggestions.
Examine Your Driving Habits
If you have a lot of accidents on your driving record, try to examine your driving habits. Are you always in a hurry when you drive? Do you get angry at other drivers on a regular basis? These things can definitely cause or contribute to a car accident.
If you find that you are always speeding to get to your destination, try leaving the house earlier. Also, if you find that you're constantly angry at the actions of other drivers, you may want to look into some anger-management classes. A person who is experiencing road rage is not thinking clearly and can easily get into an accident. Just remember that you can take action to change some of the driving habits that may be getting you into trouble on the road.
Refresher Driving Lessons
Taking a few refresher courses in driving is a good idea for anyone trying to clean up his or her driving record. There are businesses and companies that offer driving courses to adults. You can review traffic laws and learn easy ways to avoid some types of accidents.
These courses can help you to drive in a more cautious way. If you do decide to take refresher driving courses, you may want to mention this to your local insurance agent when inquiring about lower auto insurance rates.
Get Regular Maintenance for Your Car
Finally, some accidents happen as a result of a malfunctioning car. For example, faulty brakes may cause you to rear-end another car, and tires with excessive wear don't provide enough traction on wet roads.
Faulty steering may prevent you from being able to move your car out of the path of another car. Something as simple as a broken windshield wiper can cause you to get into an accident. In a heavy rainstorm, both windshield wipers need to be operating at their most efficient. By getting regular maintenance on your car, you can avoid accidents caused by an issue with the vehicle. Also, it's a good idea to get regular maintenance to extend the life of your car.
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