1. Increased premiums
One of the most important trends is the increase in auto insurance premiums. Inflation and rising vehicle repair costs are driving up insurance rates. Advanced technology in automobiles (such as cameras and reversing sensors) will make driving safer, but it also makes repairs more expensive, pushing insurers to raise prices. Be sure to review your policy annually and ask for discounts to help offset rising costs. Combine your policy with your home's whenever you can.
2. Distracted driving
Distracted driving remains one of the leading causes of accidents, and texting and in-car entertainment are the main culprits. Many insurers now offer telematics programs that track your driving behavior and reward safe drivers with discounts. Enrolling in these programs can help reduce your premiums and, at the same time, promote road safety.
3. Electric vehicle (EV) insurance
With more electric vehicles (EVs) in circulation, drivers face new insurance challenges. While some insurers offer discounts for EVs due to their environmental benefits, the cost of repairs is usually higher. Specialized parts and fewer repair shops mean that EV owners must compare policies tailored to their specific needs. Keep this in mind when buying a new car.
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