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Four Ways to Get Your Car Insurance Rates to Skyrocket

Not a lot of people are looking for ways to increase their insurance rates, but it’s worth looking at some of the most common reasons for a drastic and sudden increase in auto insurance.

Here are four guaranteed ways to have your car insurance rates skyrocket! Or, if you prefer tips to keep your car insurance rates down.

  • Cause a Car Accident While some car insurance companies offer “forgiveness” for your first time car accident, in most cases, causing a car accident is sure to increase your car insurance rates. If you are found to be at fault for the car accident you were involved with, your car insurance premiums will be increased.
  • Drive Under the Influence Driving under the influence has many serious risks. Aside from the fact that driving while intoxicated is irresponsible, and dangerous, if you are convicted of a DUI there’s a good chance that your insurance rates will increase –or that your insurance company may possibly drop your policy. DUI convictions result in a driver being classified as high risk, which means that new insurance agencies will raise your rates even more.
  • Enhance Your Car You may not know it –but sprucing your car up, can cause your car to be considered high risk, and raise the cost of your insurance. Since many cars that are modified are worth more, and increase the chances of theft –your insurance rates will rise to offer protection. If you fail to inform your insurance company of the upgrades and modifications made to your vehicle, you will not receive coverage for its new value, and instead will receive the original value that it was insured for.
  • Marry Into It Updating your insurer of your new marital status is often a great way to save on car insurance, but not if your spouse comes with a lengthy record of sketchy driving! If you marry a driver who has a past with reckless driving, or a DUI –your insurance rates could increase if you intend to combine insurance policies.

At Katy Texas Insurance, we want to help you save. We provide collision and comprehensive auto insurance for Houston, Katy, and the surrounding areas. For more information on saving money on car insurance, contact Katy Texas Insurance today.