Get covered in minutes!

Car

Property

Home > Blog > Why Is Auto Insurance Becoming More Expensive?

Blue car illustration seen from above. Price of car insurance.

Why Is Auto Insurance Becoming More Expensive?

Click here for our infographic on rising auto costs.

One of the most frequently asked questions by customers to insurance agents is, “why are auto insurance rates on the rise?”

There are many factors that impact auto insurance premiums. Modern vehicles offer an array of complex technologies that make repairs more complicated and costly. In addition, a more robust economy means that people are driving more miles annually, not to mention, the issue of distracted driving. According to a study recently published by the AAA Foundation for Traffic Safety, an astonishing 25% to 50% of all accidents can now be attributed to distracted driving.

Why is distracted driving on the rise? Drivers increasing rely on mobile devices and “infotainment” systems, such as voice-based technologies and touch screen dashboards in their daily routine. In fact, one-in-three U.S. adults utilize infotainment systems while driving! The AAA Foundation for Safety study found that in-vehicle technologies visually and mentally distracted drivers for more than 40-seconds when completing tasks such as programming a GPS navigation. Research has found that removing your eyes from the road for just two seconds doubles the risk for a crash.

What can you do to avoid distracted driving? First and foremost, if you rely on a GPS for directions, program the GPS before you start your trip. Also, try to avoid talking on your mobile phone. If you get distracted by texts and news alerts, silence your phone or take advantage of the phone lock feature currently available with some mobile device systems. Finally, don’t multi-task while you’re driving. Try to avoid eating in your car and never attend to personal grooming while at the wheel. Your eyes should be on the road and if you need to use your rearview mirror, it should be to look at other drivers, not yourself.

A driver’s biggest responsibility is to be an alert, vehicle operator. Good driving habits contribute to personal safety and also help to mitigate additional costs.

Please Note:This content is not intended to describe any specific coverage offered by MAPFRE Insurance. No coverage is provided, bound or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.

MAPFRE Insurance® is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates, American Commerce Insurance CompanySM (Cal. COA 4928-8); Citation Insurance CompanySM; The Commerce Insurance CompanySM; Commerce West Insurance CompanySM (Cal. COA 1372-2); and MAPFRE Insurance CompanySM (Cal. COA 3039-5). Not all products available in all states.

Articles

Electric Blanket and Heating Pad Safety

Electric Blanket and Heating Pad Safety

Whether you use an electric blanket to snuggle up on a cold winter night or need a heating pad to soothe an ailment, both personal heating appliances have the potential to cause fires if not used properly. According to the Electrical Safety Foundation, electric...

read more
Home Generator Safety

Home Generator Safety

If a storm causes a power outage at your home, you may turn to a generator for help. Although generators can provide a temporary source of power, they can also be dangerous if not used properly. Before using any type of generator, the manufacturer's instructions...

read more
Preparing for Winter Storms

Preparing for Winter Storms

If you live in an area of the United States prone to cold weather and tend to get winter storms, you are most likely used to snow, ice, sleet, freezing rain, and flooding. You may have also had to deal with nor'easters and blizzards on occasion. According to the...

read more