Learn about 3 sure methods to raise your car insurance

Ever wondered what could make your car insurance to increase? From time to time we all do foolish things which could make our lives complicated and cost us a lot of money. In terms of car insurance, 1 mistake can easily ruin a clean driving history and put us in the high-risk driver group.

1. Causing an accident

Well, not actually a huge surprise. In most cases, should you cause an accident you will need to pay additional insurance charges. For the 1st accident the sum could be anything between 10%-35% of the value of your insurance plan. Still,if you are at fault in a 2nd car accident, the surcharges may go up to 150%. It is usually an excellent idea to know what the surcharge schedule of your insurer is in advance. Having an additional driver on your insurance policy, that has a poor driving history, may increase your monthly premiums considerably.

2. Getting convicted for a driving offence

As previously point out, your driving history is very important. Starting from speeding tickets, all the way up to Dui - the effect on your car insurance could only be damaging. What many people do not realise is that its a punishable offence to operate a vehicle without insurance. In most states in America, if you are caught driving without insurance or Dui, you will be forced to show a prove of financial responsibility for a certain period of time, usually 2 to 3 years. Its otherwise known as SR22 Insurance. What this means is that your or your insurer will have to submit a SR22 Form to the local authorities, in any other case your license won't be reinstated.

3. Buy a vehicle with a horrible claim history

It's obvious, the type of vehicle you drive plays a huge role when car insurance premiums are determined. A typical mistake is to believe that claim history is only associated with a person. The fact remains that these days, insurance providers have a claim history for each model and make. Its common sense to considering that fast cars have worse claim history than SUVs for instance. With that in mind, you ought to know that Hummers, Audi A4 and Mercedes AMG are at the top of the "bad cars" chart. As a rule, before buying used or new vehicle, always check what the insurance will be first. Sometimes the quotes you get may be unbelievable.

In summary, if you are serious about finding affordable car insurance - drive carefully, choose your wisely, comapre insurance quotes and don't drive without insurance. The last thing you want is being forced to search for SR22 insurance.

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