Anik : Why auto insurance rates are based on driver?
Response :Many people feel that it is irrational on the part of the insurance companies to base the rates of auto insurances on the drivers. However the observations and statistics given by the National Highway Traffic Safety Administration have studies USAA (USA – automobile accidents) and their findings reveals that the behavior of the driver that leads to auto/car accidents, or bad driving habits:
- Speeding: Speeding crashes cost Americas $40.4 billion each year.
- Red Lightning: The Insurance Institute for Highway Safety says that more than 900 people a year die and nearly 2,000 are injured as a result of vehicles running red lights. About half of those deaths are pedestrians and occupants of other vehicles who are hit by red light runners.
- Fatigue: NHTSA statistics show that at least 100,000 crashes and 1,500 deaths each year are the result of drivers falling asleep at the wheel. New Jersey is the only state with such a law on the books.
- Multi-tasking: Cell-phone use and multitasking has caused. Some form of driver inattention was involved in almost 80 percent of crashes and 65 percent of near-crashes within three seconds of the event.
Thus a person’s own habits and his behavior are responsible for himself and others when he is on the road. Drive safe – save yourself and others. Yourself – by averting accidents and keeping your auto insurance premium low.
DUI arrest would lead you to take a SR22 car insurance , which means higher insurance premiums.