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Woman Texting And Driving

A lot of car insurance rating factors are out of your control: You have the kind of car you have. You are the age you are. These things you can't control. However, there are other factors you can control. Yet, many people don't.

Here are the top auto insurance mistakes drivers make that end up raising their rates.

1. Not Driving Safely

Auto insurance providers pay attention to the way you drive. If you're caught speeding, tailgating, or committing any other significant driving errors, they will take this into account when they calculate your car insurance rates. They may also charge you a surcharge amount.

2. Drinking And Driving

Drinking and driving is unsafe and foolish. It puts yourself, others in your car, and others on the road in danger. It's also bad for your car insurance rates. Just one conviction of drunk driving can increase how much you pay for car insurance by a huge percentage.

3. Not Paying Attention To Their Credit Score

Yes, your credit score does affect your insurance rates. If you max out your credit cards and continually take out lines of credit, you're going to face some seriously high rates when it comes to finding auto insurance.

To keep yourself from being charged a high rate because of a low credit score, try to keep the balances as low as possible on your credit cards. In addition, always make your loan and credit card payments on time. Finally, only apply for new lines of credit (credit cards, loans, etc.) when absolutely necessary.

4. Not Looking For The Best Rate

Naturally, you want the best rate possible for your auto insurance. It's imperative that you work with your Affordable Insurance Group agent to find the best rates and options available for your needs.

Often times, your agent will come up with some radically different numbers and coverage options, depending on the carriers queried. As you must-have car insurance at all times, this makes it absolutely worth your while to get the best rate possible.

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