Skip to content


Text Size: - +
Go Back to Most Recent FYI Articles

Go Back to Car Insurance Articles

8/12/2013 - What customers would do if given command of an insurance agency

Drivers who use a cellphone on the road are often seen in a negative light.

A new survey indicates that if motorists were given the ability, certain variables that describe a driver's safety record would be weighted more heavily in relation to how they can affect their auto insurance rates.

The poll, which was commissioned by a quote comparison website, asked motorists how they would they would determine premiums for a policyholders' plans were they to be in charge of an insurer. As it pertains to the costs that can result from not adhering to rules of the road, about 73% said drivers who text would pay substantially more for rates than those who always keep their focus on the road and 53% said being cited for operating a cellphone behind the wheel would result in a penalty of some kind.

But motorists were also eager to reward good behavior as well. More than half of respondents indicated they would offer a discount if customers took the initiative to install a device that prevented a phone from being used while driving.

There are a variety of factors that go into what determines auto insurance rates. Though it's not exhaustive, the Insurance Information Institute offers several examples.

Go Back to Most Recent FYI Articles

Go Back to Car Insurance Articles

Find a Local Agent