Think your car insurance rate is just about your car? Think again—how you drive matters just as much as what you drive.
Here are a few driving habits that can directly impact your premium:
🚦 Speeding & Traffic Violations
Tickets signal risky behavior to insurers. Even one can raise your rates.
📱 Distracted Driving
Texting or using your phone while driving increases accident risk—and can lead to higher premiums.
🕒 How Much You Drive
The more you're on the road, the higher your chances of an accident. If you drive less, ask about low-mileage discounts.
🌙 When You Drive
Driving late at night or during rush hour increases risk, and some insurers factor that into your rate.
🛑 Accidents & Claims History
Even if you're not at fault, too many claims can label you as a higher risk.
The bottom line? Safe, focused driving saves lives—and money.
Want to know how your habits are affecting your rate? Our team at Shelter Rock Insurance Agency can help you review your policy and find smart ways to save.