I’m not including this here just as a PSA, although it is an important one. It’s relevant to the conversation because when you text while driving, you’re likely going to drive more recklessly. You may cause crashes, drive above or below the speed limit, swerve, and get pulled over because cops think you’re driving drunk, and so on. Moving violations caused by anything, including texting, can definitely increase your premiums. While insurance companies aren’t omniscient and therefore generally don’t know if you’re texting while driving, they will notice if you have multiple moving violations, and that will increase your premium. The only time there would be a direct correlation is if you’re texting while driving someplace where it’s illegal, and you get pulled over and cited because of it. It’s a safe bet your premiums are going to go up at that point, too, since insurance companies might think that is a pattern of behavior and deem you to be a less safe driver.
Compare and Contrast
When you’re looking at getting new insurance, it’s important to research a variety of insurance companies, both large and small. You can do this on your own, but it’s pretty time consuming. One of the big advantages of getting your insurance through an expert like me is that I have deep knowledge of a variety of insurance company plans and can do the legwork for you. Also, regardless of how you ultimately get your insurance, you want to make sure you get every discount available to you. This is why I have in-depth conversations with my clients — I don’t want anyone to miss out on any opportunity to save some money! This includes letting you know if there’s a fee for paying in installments. If there is, be sure to pay all at once if you can.
The conversation with my clients is an ongoing thing. It’s
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