Insurance companies set their rates based on the likelihood that a particular customer will get into an accident. Even if you are involved in an accident that isn’t your fault, your insurance company may still increase your auto insurance rate, especially if you are involved in multiple accidents within a short time span. The best way to secure low rates for car insurance is to keep a clean driving record. Those with clean driving records pay significantly less for car insurance than those with points on their record. By keeping a clean driving record, you can pay less for car insurance and may even qualify for additional perks and discounts.

Benefits of keeping a clean driving record include:

• Reduced premiums: a clean driving record translates into savings each month.
• Accident forgiveness: even if you do have an accident, many insurance companies offer accident forgiveness if you avoid further accidents over a specific period of time.
• Reduced deductibles: those with good driving records who get involved in a car accident may be able to pay less out-of-pocket than what they originally had signed up for in their policy.
• Added discounts and perks: perks offered to good drivers often include discount cards, gift certificates or discounts for certain businesses, or cash back programs.

If you have a good driving record, be sure to ask your insurance company about any money-saving steps that you can take. Even if you do not have a good record, it is important to work to improve it so that you can save money on your car insurance.

Contact Us

To learn more about affordable car insurance options in the Chicagoland area, contact the Chicago car insurance experts of Insure on the Spot at 773-202-5060.