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The Ultimate Safe Driver

The Ultimate Safe Driver Average annual cost of auto insurance: Highest average rates for 2010 were in: $791 New Jersey $1,276 Louisiana D.C. $1,295 $1,277 76% of insured drivers purchase comprehensive coverage in addition to liability insurance /1% buy collision coverage Top three insurers of private passenger 8 FACTORS USED IN DETERMINING AUTO INSURANCE POLICIES auto insurance in 2012 State Farm Allstate Your Driving Record GEICO Accidents and serious traffic violations will result in higher premiums Accidents A single "at-fault" claim will result in an Most Expensive Traffic Violations (estimated premium increases due to state by state and individual differences) average increase of 38% MPH A second at-fault claim within a 12 month period will bump premiums up by 86% Running a red light DUI / DWI Reckless Driving Speeding 25% 15-20% 10% 10% 2. Average commute time in the U.S. is How Much You Use Your Car 25.5 minutes Using your car to commute long distances for work can increase premiums The Longest Average Commute Driving occasionally will lower insurance costs Progressive's Snapshot program NYC 39 minutes A free to try device for your car that measures and reports good driving habits. You may receive discounts based on the following factors: PROGRESSIVE D.C. 37.3 minutes How often you brake hard Miles driven per day How often you drive between 12 a.m. -4 a.m. Chicago 34.6 minutes Where You Park & Where You Live Urban drivers tend to pay more in insurance premiums because of higher rates of theft, vandalism and accidents Highest and Lowest Spots for Car Theft in the U.S. Prevalence of auto insurance fraud Weather patterns such as hurricanes, hail, floods, heavy rain, and ice Highest Lowest Modesto, CA Fresno, CA Bakersfield-Delano, CA Stockton, CA Yakima, WA San Francisco, CA Santa Clara, CA Vallejo-Fairfield, CA Spokane, WA Redding, CA Midland, MI State College, PA Glen Falls, NY Ithaca, NY Salisbury, MD-DE Elmira, NY Blacksburg, VA Harrisonburg, VA Kingston, NY Fort Drum, NY 4 5 Your Gender Your Age Women tend to have Drivers under the age of 20 are 3X more likely to be involved in a fatal crash fewer accidents, fewer DUIS and less serious accidents than men and typically pay less Drivers under the age of 25 are generally charged more for car insurance: TYPE OF VIOLATION RATIO M:F 16-year-old: 99% more Reckless driving 1I1| 3.41 to 1 17-year-old: 90% more DUI 1I1 3.09 to 1 18-year-old: 82% more 19-year-old: 65% more Not wearing seatbelt I 3.08 to 1 Speeding 1.75 to 1 Failure to yield 1.54 to 1 The Car You Drive Stop sign/signal 1.53 to 1 Likelihood of Theft Highest theft rate of any 2010-12 vehicle (# stolen per 1,000 insured vehicles) Lowest theft rate of any 2010-12 vehicle Ford F-250 crew 4WD (7) Dodge Journey 4WD (0.4) Chevrolet Silverado 1500 crew (6.7) Volkswagen Tiguan 4WD (0.4) Chevrolet Avalanche 1500 (6.1) Audi A4 4-door (0.4) GMC Sierra 1500 crew (6.0) Acura RDX (0.4) Ford F-350 crew 4WD (5.6) Toyota Matrix (0.4) 8. The Type & Amount of Your Coverage Your Credit Insurance companies look at credit history to evaluate and assign drivers a 'credit-based insurance score' Pay 91% more for car insurance The recommended amount of liability protection is about 10 X the average Poor Using the same hypothetical driver: than a driver with 45-year-old Single female driver Bachelor's degree state minimum an excellent score Median Pay 24% more for car insurance Comprehensive and collision coverage which cover weather damage, theft, physical damage, etc. is not required by law No prior claims No lapses in coverage than a driver with an excellent score Excellent TO CONCLUDE, YOU PROBABLY HAVE CHEAP INSURANCE IF YOU: Have a clean driving record Live outside an urban area Are a woman Have a high credit score Own a car that isn't prone to theft Do not drive often or far Are over the age of 25 Are married Sources e insurance QUOTES A BANKRATE COMPANY The National Association of Insurance Commissioners (NAIC) 2009/2010 Auto Insurance Database Report, released (Dec. 17, 2012) DEVELOPED BY N NOWSOURCING

The Ultimate Safe Driver

shared by NowSourcing on Jan 22
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Being a safe driver is important, and can also save you a lot of money on car insurance. This infographic looks at the numbers behind safe driving.


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