3 Behaviors You Should Avoid If Trying To Maximize Your Car Insurance Savings Through A Safe Driver App

Nowadays, just about every major car insurance company offers its own version of a safe driver app that allows you to qualify for additional discounts by proving you are a safe driver. Unfortunately, many people find themselves a bit underwhelmed by the discount they ultimately qualify for when using these mobile applications. In many cases, this is simply because these individuals are unaware of exactly what the insurance company is looking for when monitoring their driving behavior and therefore fail to drive accordingly.

Some bad driving habits are obvious. For example, you probably won't be surprised to find that you didn't qualify for a hefty discount if you regularly speed while on the road. However, when collecting information regarding your driving habits, many of the behaviors that can influence your personal discount will be far more subtle. Continue reading to learn more about three of the behaviors you should avoid if you truly want to maximize your safe driver discount.

Stay Off The Road Late At Night

Late-night driving comes with more risk than daytime driving regardless of your own personal driving abilities. This is because you are more likely to encounter a drunk or sleep-deprived driver when on the road in the middle of the night than you are if you are driving in the middle of the day. From the insurance company's perspective, this means that the more frequently you drive late at night, the more likely you are to be involved in an accident and ultimately file a claim against your policy. 

In addition to late-night driving, some insurance companies will also look negatively on time spent on the road during rush hour traffic since this can add to your overall risk of being in an accident as well. In order to maximize your safe driver discount, you will want to avoid driving during these time periods whenever possible. 

Avoid Accelerating Quickly

While you probably assumed already that your safe driving app would monitor how fast you are driving, you may not realize that it also monitors how quickly you make it to this speed. Quick acceleration or sudden braking will reduce your safe driving score and result in a lower discount on your insurance policy. Therefore, you should always try your best to apply both the brake and the gas pedals in a smooth, gradual fashion whenever possible. 

Make Wider Turns

Making sharp turns can increase the risk of your vehicle rolling over. As with all driving behaviors, the greater the risk is that you could cause damage to your vehicle or suffer injuries as a result of your actions, the more you can expect the insurance company to charge you for your car insurance. Making wider turns whenever possible can help to reduce this risk and therefore reduce the overall cost of your auto insurance policy. To learn more, contact a company that offers car insurance.

Share