The daily driving distance a person puts in has a large impact on the subsequent cost of car insurance. It is pretty simple really; if a person drives a long distance the chance of having an accident goes up. If a person only drives rarely it is hard to get into an accident when you do not drive.
♦ Let us look a little bit deeper at the effect of driving distances on car insurance costs.
Some people may think that driving more often makes them better drivers. More experienced! That the longer exposure to accident is more than negated by the fact that they simply have all the extra experience than the driver who rarely goes anywhere.
It could even be true that they are much better drivers. Reflexes do get ingrained by motor memory so it is very possible that they could actually be superior drivers. But there is another factor to balance against THAT trait. That factor is complacency. When you drive over and over again and nothing happens a person naturally “expects” nothing to happen. This is complacency. Whatever additional “skill” a driver gains by frequent driving they give up with complacency.
♦ So how and why do insurance companies charge more for driving long distances?
It is all based on the way insurance companies get their quotes.They collects a huge database of statistics. These statistics are for everything possible to do with driving a car. Out of the thousands upon thousands of people who drive a long distance daily, compared to the thousands upon thousands of people who drive a short distance daily they compare the two figures and therefore are able to tell, ON AVERAGE exactly how much more likely is a driver is to get into an accident per mile driven.
These prices are never based on vague opinions but always on only one thing. The cold hard facts of statistics. It is pretty simple. The more someone drives the more they increase the likelihood that they will get into an accident and need to use the insurance.
Insurance is important. It is not only the law, but people are glad they have it when they have to face the results of even a minor car accident. Hopefully it is now clear the effect of driving distances on car insurance costs.