You've undoubtedly heard of weather-proofing your house, but did you know you can also construction-proof your auto insurance quotes? Here's a look at the who, what, when, why, where and how of keeping your insurance rates safe during the most notorious (and secretly sinister) season of the year.
What Does Road Construction Have to Do with Your Auto Insurance Quotes? Before you can truly understand how to construction-proof your auto insurance quotes, you have to understand why it matters.
After all, what can construction companies really do to your insurance? They can't raise your rates.
It's unlikely they'd intentionally sabotage your car.
They don't have time to stand around with little video cameras and report everything you did that you weren't supposed to! So really, who cares? The thing is, nothing raises your insurance rates like being in an accident.
And nothing screams, "Help yourself to a piece of this ten car pile-up" like winter and road construction! You're obviously going to do everything possible to prevent yourself from ending up in that situation, but bad things happen to good people every day.
The secret is to minimize the impact those "bad things" are going to have on your auto insurance quotes.
The 5 W's (and one "H") of Construction-Proofing Your Auto Insurance Quotes Who Anyone and everyone with a license should be aware of the risks that road construction pose to their auto insurance.
If you can drive, sooner or later you're going to get caught behind a pile of those little orange cones.
Are you ready? What The key to construction-proofing your insurance lies in making your car (and your driving habits) as insurance friendly as possible.
If you're driving within their realms of not just acceptable, but excellent driving habits, you're going to have a better chance of being forgiven for stumbling over a pot hole and slamming into a cement median than you will if your driving record is host to a list of black marks a mile long! When All day, every day.
Every time you're on the road, every time you take your car into the shop, every time you step onto a car dealer's lot, you're taking an action that could affect your insurance-and, by default, how construction-proof those auto insurance happen to be.
Where I think we already answered that.
See above.
Why Because you don't want to have to pay any more for your insurance coverage than you absolutely have to.
Because road construction is a fact of life, and the last thing you want is to become a victim.
Because you deserve better than to pay through the nose for an accident that isn't really your fault.
There are hundreds of reasons why, but they all boil down to the same irrefutable fact-anything you do to keep your auto insurance as low as possible can only be of the good.
How This is the easy part.
Keep your driving record clean.
Don't drive while you're talking on your cell phone, and observe speed limits as though you were going to be forced to live on a lifetime diet of cat food and Ramen if you don't.
Keep your car in good shape, and upgrade your safety features whenever possible.
The safer you are, the safer your auto insurance quotes are going to be.
It really is just that simple.