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My name is Steve Young and I am a retired California Highway Patrol Officer. I will also be your instructor in one of the online traffic courses with B Line Traffic Schools. No matter what course you sign up for, my goals are the same: Present you with the information that you need in a way that will not put you to sleep and then get you back to your life.  Throughout some of the courses I have included interesting situations, people and other random things I have come across in my 25+ years with the CHP to break things up a bit. Ok ok, enough about me. Close this window and start your course with B Line Traffic Schools today.

A Few Simple Ways to Reduce Auto Insurance Rates

25 May Blog | Comments

In this unstable economic environment, consumers are looking for ways to reduce their monthly expenses. Below is a discussion regarding some easy ways to reduce expenses related to auto insurance coverage.

Stay Accident Free

It may seem like common sense, but many people don’t realize that fewer claims that are made against an auto insurance policy will generally mean the premiums will remain low. Engaging in defensive driving habits while operating a vehicle will reduce the likelihood of being involved in an accident, thus keeping insurance rates affordable.

Keep a Clean Driving Record

Traffic violations that accumulate on a person’s driving record may signal to the auto insurance company that the insured drivers may not operate a vehicle safely on the road. This could indicate a greater likelihood of future vehicle accidents, which, in turn, can increase insurance rates.

Don’t Use Hand Held Devices While Driving

Most states prohibit the use of hand held devices while operating a vehicle. Using such a device could result in traffic violation charges and increase the likelihood of being involved in an auto accident, thus potentially increasing insurance rates.

Conduct Price Comparison Shopping

The auto insurance industry is a competitive one. By using online directories and individual insurance company websites, consumers can receive rate quotes and determine which insurance company could provide the greatest savings.

Increase Deductibles

By increasing the deductibles associated with auto insurance coverage, the total financial loss to the insurance company in the event of a vehicle accident is reduced. Insurance rates are generally lower when deductibles for coverage are increased.

Online Traffic School

By attending an online traffic school such as one provided by B Line Traffic Schools, insurance companies are made aware of a policy holder’s willingness to improve his or her driving skills, thus reducing the odds of being involved in an auto accident. By enrolling in a program such as B Line Traffic Schools, insurance rates may be reduced.

Maintain a Good Consumer Credit Rating

Like many other institutions that provide goods and services on credit, most major insurance companies rely on policy holders’ consumer credit ratings to help determine individual insurance rates. A good consumer credit score demonstrates to the insurance provider that regular, on time payments will be made and there is a reduced likelihood of payment default. For this reason, insurance companies are more likely to offer lower insurance rates to policy holders with good consumer credit ratings.

Make Insurance Payments on Time

Coupled with a good consumer credit rating, on time payments on the part of the policy holder demonstrate dependability and a reduced likelihood of payment default. This may result in lower insurance rates for the policy holder.

Check out San Diego traffic school to erase points from your license today!


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