{"id":3078,"date":"2014-10-28T10:04:27","date_gmt":"2014-10-28T17:04:27","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?p=3078"},"modified":"2014-10-28T10:04:27","modified_gmt":"2014-10-28T17:04:27","slug":"can-keeping-my-car-in-good-condition-lower-my-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/can-keeping-my-car-in-good-condition-lower-my-auto-insurance\/","title":{"rendered":"Can Keeping My Car in Good Condition Lower My Auto Insurance?"},"content":{"rendered":"

If you\u2019re wondering if keeping your car in good condition can lower your auto insurance<\/a> rates, the answer is, indirectly, yes. To clarify what we mean by \u201cindirectly\u201d, we should point out that keeping your car in top condition for the various road conditions is always a good idea. While auto insurance companies don\u2019t look directly at how well you maintain your vehicle, they do \u201cindirectly\u201d expect you to keep it safe to avoid accidents, by having the oil changed regularly, staying on top of service problems involving brakes, steering or checking for worn and under inflated tires.<\/p>\n

It goes without saying that, by avoiding accidents you can keep your auto insurance premiums lower. For this reason, insurance companies tend to assume that you\u2019re taking care of your expensive investment properly so they won\u2019t have to pay out for a traffic mishap that could have been avoided, if you\u2019d only taken care of the problem. Because good maintenance translates into fewer accidents – it can have an \u201cindirect\u201d effect on your insurance rates.<\/p>\n

For example, your tires play an important part in your safety on the road. If you neglect to check the pressure or the tread, you could be at risk of serious consequences, least of which is a flat tire in a parking lot. Should you suffer a blowout at high speed, you could cause an accident. Your insurance company may investigate and hold you at fault for all damages and injuries, which will, in turn, result in higher premiums, simply because the tread on your tires was shot.<\/p>\n

What If your brakes are in bad shape and need to be replaced, but you are involved in an accident that sends the other driver to the hospital – you\u2019re responsible.<\/p>\n

And, if your insurance company checks your brakes and discovers they\u2019re worn down to the rotors, that\u2019s considered deliberate neglect. Not only will it cause your premiums to go up, but your insurance company could refuse to pay your claim, based on the fact that you knew your brakes weren\u2019t working properly, but you chose to drive your car anyway.<\/p>\n

And, if that\u2019s not enough \u2013 imagine items are stolen from your car or the entire car is stolen because the windows or doors don\u2019t lock properly. In such a case, the theft might have been prevented, according to the insurance company, had the car been secured with working windows and door locks. Depending on the insurer, the policyholder could be blamed for the incident and it could affect how the claim is handled, leading to higher rates.<\/p>\n

Therefore, the logical rule of thumb is to maintain your car\u2019s vital parts, including the tires, brakes, and steering components in an effort to avoid costly and potentially dangerous breakdowns. In addition, you\u2019ll have the peace of mind of knowing that your car is safe to drive by being in good working order \u2013 and, not just be an accident waiting to happen \u2013 which can help keep your insurance premiums from being \u201cindirectly\u201d affected.<\/p>\n

You may want to make sure your premiums aren\u2019t affecting your wallet by checking that you\u2019re getting the best rate on your auto insurance. Why not get a free auto insurance quote today?<\/p>\n

Have you had an accident that can be blamed on maintenance neglect? Feel free to share your thoughts in the comments section below.<\/p>\n","protected":false},"excerpt":{"rendered":"

If you\u2019re wondering if keeping your car in good condition can lower your auto insurance rates, the answer is, indirectly, yes. To clarify what we mean by \u201cindirectly\u201d, we should point out that keeping your car in top condition for the various road conditions is always a good idea. While auto insurance companies don\u2019t look […]<\/p>\n","protected":false},"author":1,"featured_media":3079,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[697],"tags":[579,648],"acf":[],"_links":{"self":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/3078"}],"collection":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/comments?post=3078"}],"version-history":[{"count":0,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/3078\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/media?parent=3078"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/categories?post=3078"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/tags?post=3078"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}