How Driving Behavior Is Impacting Rates
Auto insurance is meant to protect drivers when the unexpected happens, but lately, many people across the U.S. are noticing higher premiums. One major factor? Driving behavior.
According to a recent LexisNexis Risk Solutions report, insurers are seeing increases in risky driving habits—and those trends are showing up in the cost of auto coverage.
What Behaviors Are Driving Costs Up?
More speeding violations – Higher speeds mean more severe accidents, leading to larger claims.
Distracted driving – Phones, in-car tech, and multitasking behind the wheel are contributing to more collisions.
Aggressive maneuvers – Sudden lane changes, hard braking, and tailgating often signal higher risk.
Increased mileage – More time on the road increases the chance of an accident, and insurers are adjusting rates to reflect that.
When insurers see these behaviors rising in claims data, premiums often increase across the board—not just for those who were involved.
How Drivers Can Keep Their Premiums in Check
Even if trends are pushing rates upward, individual drivers still have tools to manage costs:
Practice safe driving consistently: Fewer tickets and accidents over time can help reduce rates.
Explore telematics programs: Some insurers offer discounts if you agree to use a device or app that tracks your driving habits. Safe braking, smooth acceleration, and low mileage can lead to real savings.
Bundle and compare: Pairing your auto insurance with home or renters insurance can earn discounts, and shopping around helps you find the carrier with the most favorable rates for your profile.
Stay proactive: Reviewing your policy with an agent regularly ensures you’re not paying for coverage you don’t need.
Takeaway
Driving habits across the U.S. are shifting, and insurers are paying attention. The good news? Safe, consistent driving not only keeps you safer on the road—it can also help protect your wallet.
Not sure if your current coverage is still the best fit? RISE Insurance is here to help you review your policy and explore ways to save.
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🌐 www.riseins.com
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