You see, the way you behave on the road — and even off the road — can affect your car insurance rates. Whether the effects are positive or negative are entirely up to you. Off the road, you need to make sure you pay all of your bills when they are do. This is because your credit score can have an enormous impact on the rates you have to pay.

Driving defensively is important as well. You need to avoid any and all distractions, especially things like sending or receiving text messages and even talking on your cell phone.

Speeding tickets may not cause your rates to go up, but if you are in an accident, they can go up by as much as forty percent.

It goes without saying that you should never drink and drive. You should not lend your car to anyone either. Your rates can spike if someone else wrecks your vehicle.